Closing Cost Solutions

    Cover Your Down Payment & Closing Costs

    You've found the deal. Don't let cash-to-close hold you back. We offer business capital solutions — from working capital loans to lines of credit — to help you get to the closing table with less out of pocket.

    Why Cash-to-Close Is the #1 Barrier for Investors

    A great fix & flip deal might require $25,000–$50,000 in down payment and closing costs — even when your hard money loan covers 90% of the purchase and 100% of rehab. That gap stops a lot of investors from scaling.

    The good news: there are legitimate ways to cover that gap using business capital products — lines of credit, working capital loans, and revenue-based financing — that are designed exactly for situations like this.

    Investor1st Funding offers business funding solutions that can stack alongside your real estate loan. Apply in minutes, get approved quickly, and have capital in hand before you go to contract.

    Example: The Cash Gap Problem

    Purchase Price$175,000
    Rehab Budget$35,000
    Hard Money Loan (90% LTC)$189,000
    Closing Costs (~3%)~$5,250
    Cash Gap (out of pocket)~$26,250
    Covered by Business Capital$26,250+

    Example only. Actual terms vary by deal and lender approval.

    Our Business Capital Solutions

    We offer business funding programs — working capital loans, lines of credit, and more — designed to cover the cash gap on investment deals.

    Approvals in 24–48 Hours

    Fast decisions so you can move on deals without waiting.

    Up to $5 Million

    Funding amounts scaled to match your deal size and business profile.

    No Real Estate Collateral

    Business capital — no lien on your investment property required.

    Stacks with Hard Money

    Designed to work alongside your primary investment loan.

    Multiple Product Types

    Working capital loans, lines of credit, term loans, SBA, and more.

    Simple Online Application

    Apply in minutes to see which products you qualify for.

    Free to apply. No impact to your credit score on most products.

    How to Stack the Funding

    Two sources, one deal. Get both in place before you go under contract.

    01

    Apply for Business Capital

    Get approved for a working capital loan or business line of credit to cover your down payment and closing costs.

    02

    Apply for Hard Money Loan

    Submit your deal for pre-approval on the primary fix & flip or bridge loan.

    03

    Coordinate Your Closing

    Review each capital partner's conditions before committing. Approval, available funds, and closing time depend on underwriting and property review.

    04

    Flip, Sell & Profit

    Complete the renovation, sell at ARV, repay both loans at closing, and keep the spread.

    Common Questions

    Is it legal to use a business line of credit as a down payment?

    Business capital and property financing are separate products. Disclose every funding source and existing obligation to the property-financing capital partner. Whether borrowed funds may be used for a down payment depends on that partner's requirements; we cannot guarantee acceptance.

    Will using business capital affect my hard money loan approval?

    As long as you disclose the business capital to your lender and the total loan-to-value still meets program guidelines, it should not. Transparent disclosure is key — do not attempt to hide funding sources from any lender.

    How much business capital can I access?

    Funding amounts depend on your business profile, revenue, and credit. Many investors access $25,000–$500,000 or more depending on the product. Apply to see your specific options.

    Do I need an LLC to apply for business capital?

    Having an established LLC strengthens your application. Lenders review your business profile — the longer your LLC has been operating and the stronger your financials, the better your options. Some products are available with as little as 4 months in business.

    Is there a cost to apply?

    Applying is free and does not impact your credit score on most products. Business funding products will have their own interest rates and fees, which are disclosed to you during the application process before you commit to anything.

    Don't Let Cash-to-Close Stop Your Next Deal

    Apply for business capital and your hard money loan — both can be in place before you go to contract.

    Licenças e Divulgação

    Investor1st Funding é uma plataforma de originação de empréstimos. Os empréstimos são originados pela Investor1st Funding e financiados por parceiros de capital terceirizados. A Investor1st Funding não é o credor de registro nos empréstimos financiados. Todos os termos do empréstimo estão sujeitos à aprovação e subscrição do parceiro de capital. A disponibilidade depende do mutuário, imóvel, localização e requisitos de licenciamento aplicáveis.

    • Entidade: Investor1st Funding LLC
    • Os programas de investimento são empréstimos para fins comerciais. As opções Non-QM elegíveis para residências principais e secundárias têm requisitos específicos de qualificação e divulgação.

    A Investor1st Funding é uma plataforma de originação de empréstimos, não um credor. Os programas de investimento são exclusivamente comerciais e não se destinam a imóveis ocupados pelo proprietário. A elegibilidade de ocupação Non-QM varia por programa. Somente imóveis nos Estados Unidos. Todo financiamento depende da análise e aprovação do parceiro de capital. Os exemplos de taxas, custos, pagamentos e prazos são ilustrações educativas, não ofertas da Investor1st nem compromissos de empréstimo. Nada neste site constitui um compromisso de empréstimo. Todos os empréstimos estão sujeitos à subscrição do mutuário e da propriedade, às diretrizes do parceiro de capital e à aprovação final dos parceiros de capital. Encorajamos cada mutuário a revisar todos os documentos do empréstimo cuidadosamente e a consultar seus próprios assessores jurídicos, fiscais e financeiros.

    © Investor1st Funding LLC. Todos os direitos reservados.