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Industry/Vacation Rentals

Funding to furnish, renovate, and scale the portfolio.

Short-term rentals are a real business with real capital needs, furnishing a property to photograph well, renovating to stand out, covering turnover and platform-payout gaps, and putting money down to add the next unit. Banks don't quite know what to make of Airbnb income. We fund on your revenue so you can grow the portfolio.

  • Funding in as little as 24 hours
  • Approved on revenue, not just credit
  • Single units to growing portfolios
  • We understand platform-based income

Fast reviews · Clear communication · No misleading promises

24hr
Funding in as little as
$10k–$500k
Typical range
6mo+
Time in business
All
Credit profiles considered
The landscape

Why short-term rentals run on working capital.

A short-term rental business is part hospitality, part real estate, and part operations: every property has to be furnished and styled to win bookings, kept up between guests, and marketed across platforms, and the income arrives on the platforms' payout schedules, with seasonality on top. Scaling means furnishing and prepping the next unit before it earns, and traditional lenders are still wary of platform-based rental income.

Revenue-based funding reads your booking and payout revenue, so you can furnish a property, renovate, cover turnover and repairs, or put money down on the next unit, and repay as the bookings come in.

Where it goes

What this funding covers most.

Furnishing and styling a property

Renovations and upgrades

Turnover, cleaning, and repairs

Bridging platform-payout gaps

Putting money down on a new unit

Photography and listing optimization

Smart locks, tech, and amenities

Scaling the portfolio

Ballpark

What you might qualify for.

A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.

Monthly revenue
Likely funding range
Common products
$10k – $25k / mo
$5k – $50k
MCA
$25k – $75k / mo
$25k – $150k
MCA / Line of Credit
$75k – $250k / mo
$75k – $500k
Line of Credit / MCA
$250k+ / mo
$250k – $5M
Line of Credit / SBA 7(a)

Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.

The difference

Why banks say no, and what's different here.

What a bank sees
How we work
Platform rental income looks unconventional
We read your booking and payout revenue
Seasonal occupancy raises flags
We read your revenue across the year
Furnishing isn't real collateral
Revenue performance carries the decision
Weeks of underwriting
Reviews start same day; funds in as little as 24h
Best fit

The products that fit best.

The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.

Eligibility

What it takes to qualify.

A realistic picture of what we look for, and what to have ready so things move quickly.

Typical requirements

6+ months in operation

$10k+ in average monthly revenue

An active business bank account

Steady booking or payout revenue

U.S.-based short-term rental business

What to have ready

3–6 months of business bank statements

Platform payout or revenue reports

A government-issued photo ID

Basic business info (EIN, entity type)

Process
How it works

From question to funded, fast.

Tell us about the business

Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.

Quick review of your sales

We look at recent deposits and card volume to understand what you may qualify for.

Compare your real options

See the products that fit your situation side by side, in plain language.

Get funded and move

Once you choose a direction, funds for fast options can land in as little as a day.

In practice

How funding plays out.

Challenge

New unit needs furnishing before it lists

Outcome

Funded fast, booked from the first weekend

Challenge

Slow season and a big repair

Outcome

Drew to cover it, repaid as bookings returned

Challenge

Acquiring the next property

Outcome

Lower-rate financing for the purchase

Representative scenarios for illustration. Individual results, products, and timing vary.

Why us

Why owners work with us.

We fund on revenue, not just credit

Capital to furnish and add units

Single units to growing portfolios

Straight talk, no guaranteed-approval hype

We understand platform-based income

One conversation to compare every fit

“Every new place needs eight to ten grand in furniture before it earns a dollar. Funding let us turn properties around fast and add three units in a year.”
DM
Derek M.Short-term rentals · FL

Representative experience. Individual results vary. No outcome is guaranteed.

Questions

Vacation Rentals funding FAQ.

Still have a question? A specialist can usually answer the same business day.

Start a review
Do you fund short-term and vacation rental businesses?
Yes. We read your booking and payout revenue, so Airbnb, VRBO, and direct-booked rental operators can qualify.
Can funding cover furnishing a new property?
That's one of the most common uses. Furnishing and styling come before a unit earns, and funding bridges that up-front cost.
Is platform-based income a problem for approval?
No. We're comfortable reading platform payouts and deposits as revenue, which is where short-term rental income shows up.
What can vacation-rental funding be used for?
Furnishing, renovations, turnover, repairs, a down payment on a unit, tech, or scaling the portfolio. No restriction on use of funds.
How fast can I get funded?
A merchant cash advance can fund in as little as 24 hours once your revenue is reviewed, fast enough to furnish a unit before its first booking.
Do you work with single-unit and multi-property operators?
Yes. Single units and growing portfolios alike qualify when revenue and time in business line up.
Learn more

Guides to help you decide.

Plain-English answers to the questions owners ask before they apply.

Related

More Hospitality funding.

We tailor funding to specific businesses across the industry, explore the others.

Next step

Funding built around your business.

Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.

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