Fast Funding for Creative Finance Deals
Connect directly with micro lenders for EMDs, option fees, and transactional funding. Get deal-specific capital in days, not weeks.
Get early access + founding member perks
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Get in early and unlock exclusive benefits that won't be available after launch.
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What is Creative Finance?
Creative finance refers to real estate acquisition strategies that go beyond traditional bank loans. These approaches allow investors to purchase properties with little to no money down, favorable terms, and faster closings.
Subject-To (SubTo)
Buying a property 'subject to' the existing mortgage. The seller's loan stays in place while the buyer takes over payments and gains ownership.
Seller Financing
The seller acts as the bank, carrying a note for all or part of the purchase price. Payments go directly to the seller over time.
Wholesaling
Finding deeply discounted properties under contract, then assigning that contract to another buyer for an assignment fee.
Lease Options
Leasing a property with the option to purchase at a predetermined price. Control property benefits without immediate ownership.
Why Creative Finance Needs Specialized Funding
Traditional banks don't understand
Our lenders specialize in creative deals
Deals move fast, banks move slow
Get funded in 24-48 hours, not weeks
Small amounts aren't worth their time
We fund deals from $100 to $250,000
How CreativeFinance.app Works
A peer-to-peer marketplace connecting real estate investors with fast, flexible capital.
For Borrowers
Post Your Deal
Upload contracts, set terms, and let AI analyze your deal.
Get Matched
Lenders matching your criteria are notified instantly.
Receive Funding
Accept offers, sign docs, get funded in 24-48 hours.
Build Your Track Record
Each successful deal improves your credibility score.
For Lenders
Set Your Buy Box
Define deal types, amounts, and risk tolerance.
Get Instant Alerts
Receive notifications when deals match your criteria.
Review & Fund
Use AI analysis to evaluate deals and fund with one click.
Earn Returns
Get repaid at closing. Track your portfolio in real-time.
Funding for Every Creative Deal Type
We fund the capital needs that traditional lenders won't touch.
EMD Funding
Earnest money deposits used to secure contracts on creative or wholesale deals
Option Fees
Option fees that secure temporary control of a property during negotiation or disposition
Transactional Funding
Same-day or short-duration capital for A→B→C double closings
Due Diligence
Inspections, appraisals, surveys, and other required due-diligence costs
Gap Funding
Short-term capital to cover closing gaps, fees, reserves, or assignment shortfalls
Marketing Costs
Deal-specific marketing expenses such as paid leads, skip tracing, or targeted outreach
What Makes Us Different
We're not just another lending platform. Here's why creative finance investors choose us.
Built for Creative Finance
- Understands SubTo, seller finance, lease options, and wholesale
- No traditional bank requirements or credit checks
- Deal-specific evaluation, not blanket approvals
AI-Powered Intelligence
- Instant contract analysis and risk scoring
- Transparent deal evaluation for both parties
- Machine learning improves over time
True Peer-to-Peer
- Direct connections between borrowers and lenders
- No pooled funds or hidden fees
- You know exactly who you're working with
Speed & Transparency
- Funding in 24-48 hours, not weeks
- Clear terms, no surprises
- Real-time tracking and updates
Deal Sales Sheets
Create professional deal landing pages that explain your creative finance deals clearly to sellers, lenders, and agents.
Present Deals Professionally
Turn complex creative finance terms into clear, shareable landing pages that sellers actually understand.
Track Engagement
See who's viewing your deal pages, when they viewed, and get notified when they reach out.
PDF Export
Download professional PDFs for in-person meetings or email to tech-averse sellers.
Example deal sheet types:
123 Main St
Subject-ToAustin, TX • 3 BR / 2 BA • 1,850 sqft
Sale Price
$285K
Your Equity
$67K
Close In
14 Days
How This Works
We take over your mortgage payments while you walk away with $67,000 cash. Your credit stays protected, and we close in 2 weeks.
What You Get
Deal Details
App Roadmap
We're launching with micro-lending, but that's just the beginning. Here's what's coming fast after launch.
Micro-Lending Marketplace
P2P funding for EMDs, option fees, and transactional funding with AI risk analysis and automated documents.
Deal Sales Sheets
Create professional, shareable landing pages for your deals. Explain creative finance terms clearly to sellers, lenders, and agents with beautiful visuals.
Example deal sheet types:
Contracts & Paperwork
Launching with promissory notes and personal guarantees for micro-loans. Expanding to full creative finance contracts: purchase agreements, assignments, and more.
Deals Marketplace
Find and list off-market properties perfect for creative financing. Filter by deal type, equity, motivation level, and more. Your Propstream replacement.
Deal Coordination
Replace your transaction coordinator. Automated timeline tracking, document collection, multi-party coordination, and deadline reminders - all built into the app.
Mobile Apps & AI
Native iOS and Android apps, enhanced AI with OCR document scanning, smart deal matching, and advanced portfolio analytics.
Early waitlist members get priority access to all new features.
Join the WaitlistGet Funded Before Everyone Else
Join the waitlist now to secure your spot and unlock exclusive founding member benefits.
Join the WaitlistNeed to Sell but Out of Traditional Options?
Discover creative financing strategies that can help you sell your property even when conventional sales aren't working. Our free Deal Generator analyzes your situation and shows you options like seller financing, subject-to, lease options, and more.
- Generate 3-5 creative deal structures instantly
- See cash at closing vs. monthly income options
- Understand the benefits and risks of each strategy
- No sign-up required to get started