Gap Funding Loans

2nd Position Real Estate Financing

Rency’s gap funding loans are designed to help you close the gap in your capital stack. With rates starting at 12.0%, up to 95% CLTV, and a 13-month term, this second-position financing is perfect for investors needing a quick boost to get their deals done. Minimum FICO of 680 required.

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UP TO

12.0%

Rates Starting

For qualified borrowers

100%

Renovation Budget

Full coverage for your rehab.

95%

CLTV

Maximum combined leverage

Month Term

Short-term solution for fast-moving deals

680+

Min FICO

Reliable credit required

$100K

Max Loan Amount

Quick capital when you need a boost

Note: To qualify for Gap Funding, the 1st position loan must be secured through Rency. This ensures proper alignment of terms and simplifies the funding process.

Getting Started with Rency

Submit A Loan Request

Apply and fill out the quick form to tell us about your deal.

Review Loan Terms

We’ll send you competitive terms tailored to your project.

Deal Finalized, Funds Released

Sign and close—your funds are on the way.

Apply Now

Partner with us and secure funding across the nation.

Where We Lend

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*Some loan programs are excluded. Apply to find out.

What Sets Rency Apart?

Our team understands the urgency behind closing time-sensitive real estate deals. That’s why our bridge loans are built to move quickly, without sacrificing clarity or support. From day one, we focus on honest communication and straightforward solutions—no gimmicks, just a team that gets deals done.

The Rency Advantage

Rency’s gap funding loans are structured to give you speed and support where it matters most. With rates starting at 12.0%, up to 95% CLTV, and a 13-month term, we help you move quickly when timing is critical. Qualified investors with a 680+ FICO can access up to $50K, with options for 100% renovation coverage to keep your project on track from start to finish.

Always Clear and Upfront

At Rency, you’ll always know what you’re getting into. We'll clearly outline your loan terms and fees upfront, so there’s never any confusion. And if you have questions, just ask—we’re always here to guide you.

Ready to Get Started?

Don't let financing worries slow you down. Reach out to our team today—we'd love to hear about your project and show you how we can help.

A Smarter Approach to Real Estate Financing

Fast & Simple Funding – Minimal paperwork, quick approvals.

Direct In-House Servicing – No middlemen, just seamless transactions.

Flexible Loan Control – We manage funds efficiently to keep projects on track.

Competitive Rates – Financing that works for you, not against you.

Ready to get started?

One of our loan origination managers will be in touch within 24 hours to go over your loan details.

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The terms listed represent our highly qualified scenarios and are subject to borrower qualification, credit approval, and verification of information. Not all applicants will qualify for these terms. Rates, terms, and conditions are based on the review of both the borrower and the investment. Certain loans may be borrowed by a partnered lender as direct lending is evaluated on a case-by-case basis. Exceptions can be made to loan criteria as each loan is evaluated on a case-by-case basis.