Unsecured Gap Funding: $20K to $350K+ When You're Short on Cash to Close
Short on Cash to Close? Be Your Own Bank.
Unlock $20,000 to $350,000+ in 100% unsecured, unrestricted cash based on your credit and verifiable income, with zero real estate collateral required. Our multi-lender platform secures 5x to 7x more capital than you can get applying on your own.
Apply Now ▸Why LOANKWEST Gap Funding
More capital. No collateral. Your equity stays yours.
Cash for the down payment, the rehab overrun or the auction deposit, sized on your credit and income instead of the property.
5x to 7x More Than Applying Alone
When you apply at one bank on your own, your limit is capped and fresh inquiries block you from getting a second or third loan for 6–12 months. We orchestrate multiple funding sources simultaneously to get you 5 to 7 times more capital in one coordinated drop.
Zero Collateral. Zero Senior Lender Friction.
Because funds are deposited directly to you as unrestricted cash with no real estate pledged, your Fix & Flip or DSCR senior lender never has to approve a subordinate second lien.
Keep 100% of Your Deal Equity
Stop giving away 50% of your flip profits to joint venture sharks just to cover a down payment or rehab overrun. Pay simple interest on only the funds you keep.
Total Control. No Assets Pledged.
You receive multiple loan and line-of-credit options and choose only the exact dollar amount, rate and term (2 to 10+ years, plus 12-month 0% interest options) you want to accept.
Cover Every Cost of the Deal
Use your cash for earnest money, auction deposits, closing costs, rehab overruns and holding costs, or line it up before you find your next acquisition.
No Prepayment Penalty. Ever.
Pay your balance off the very next day after your flip sells or refinances with zero penalty, and easily restart your funding line for your next acquisition.
The Multi-Source Advantage
How We Unlock 5x–7x More Capital.
Traditional banks and lenders cap single loan approvals and penalize back-to-back applications. LOANKWEST bypasses the single-lender ceiling by matching your verifiable income and credit profile across our syndicated network at the exact same time, turning a standard $30,000 bank approval into $150,000 to $200,000+ in liquid investment capital.
- 700+ FICO recommended 680+ minimum across all 3 bureaus
- Verifiable IRS income required W-2 paystubs, 1040 tax returns, Schedule E rental income, K-1s, or pension / Social Security. No bank statements.
- Income multiplier by DTI≤ 20% DTI ~150% – 200% of annual income30% – 35% DTI ~75% – 100% of annual income40% DTI ~50% of annual income
Same-day pre-approval • Funded in 3–10 business days • Take only the amount you need
How it works
Projection today. Cash in days.
Apply in 5 Minutes
Tell us your funding goal, income and credit score. LOANKWEST never pulls your credit.
Get Your Projection
Same-day pre-approval projection based on your income and DTI tier.
Choose Your Offers
Pick only the amounts, rates and terms you want from multiple options.
Cash in the Bank
Funds land in 3 – 10 business days, straight to you.
Program at-a-glance
The fine print, up front.
The details of the unsecured gap funding program for real estate investors. Final approvals, amounts and terms are set by each lender.
- Funding range
- $20,000 – $350,000 per borrower ($110,000 – $150,000 average; stackable with spouse / co-borrower)
- Loan structure
- 100% unsecured personal term loans & lines of credit (cash to borrower)
- Collateral required
- None (no property or personal assets pledged)
- Credit score minimum
- 700+ FICO recommended (680 minimum across all 3 bureaus)
- Credit history required
- 2 to 4 positive trade lines with 12–24+ months history; low recent inquiries; clean 12–24 month payment history
- Income verification
- IRS-verifiable income only (30 days W-2 paystubs, most recent 1040 first 2 pages, Schedule E + leases, 1065/1120S/K-1s, or pension / Social Security; no bank statements)
- Interest rates & terms
- 6% – 16% based on FICO / creditworthiness; 2- to 10-year terms (up to 15 years) + 12-month 0% interest / no-payment option
- Speed to funding
- Same-day / 24-hour pre-approval projection; 3 – 10 business days to cash in bank
- Prepayment penalty
- None from Day 1 (pay off anytime and restart later)
- Eligible borrowers
- U.S. citizens, permanent residents (green card), or valid U.S. ID / EIN with an established U.S. credit report (can sign docs from overseas)
FAQ
Common questions
FAQ
Common questions
How do you get me 5x to 7x more money than my bank?
A single bank or lender caps how much it will approve, and once that approval posts, the new inquiry and account can block a second or third application for 6 to 12 months. Our platform coordinates multiple approvals at the same time, before new inquiries lock your profile, so you get several offers in one round instead of one capped loan.
Does my Fix & Flip or DSCR lender have to approve this?
No. This is 100% unsecured cash deposited directly to you, with zero real estate collateral. There is no second lien on the property and no senior lender friction.
What credit score and credit history do I need?
We recommend a 700+ FICO, with 680 across all three bureaus as the bare minimum, plus at least 2 to 4 positive trade lines with 12 to 24 months of history and low recent inquiries.
What counts as verifiable income? Do you take bank statements?
We underwrite like A-paper and require IRS-reported income: 30 days of W-2 paystubs, the first 2 pages of your most recent 1040, corporate returns / K-1s, Schedule E with matching leases for landlords, or fixed income like pensions and Social Security. Self-employed spouses filing jointly can combine incomes using the higher-scoring spouse's profile. Bank statements are not accepted.
Can I use the funds for more than one house flip?
Yes. Once funded, the cash is 100% yours to deploy across your real estate investing: property auctions, earnest money, down payments, rehab draws, holding costs or your next acquisition.
Will applying hurt my credit score?
No. Applying takes 5 minutes and LOANKWEST never pulls your credit. For pre-approval you can share your own tri-merge report, available for $1 through MyScoreIQ or IdentityIQ, so your score takes no inquiry hit.
Stop leaving deals on the table for lack of cash.
Same-day pre-approval. No credit pull by LOANKWEST. No collateral.
Apply Now ▸Partner program
Wholesalers & Agents: Save the Buyer Who's a Little Short.
Buyer approved but short on cash to close? Send them to LOANKWEST for unsecured cash and keep the assignment alive.
Partner inquiries: loans@seqlending.com- Get credit on every funded loan you refer
- Keep investor clients from shopping you to a competitor
- One intake, dozens of lenders behind it
- Your name on the application via the referral field