When your client has a great deal in front of them but not enough cash to grab it outright, it doesn’t have to be game over. Smart investors – and the brokers who guide them – know how to stack capital to fill the gap and make the deal work.

At Lending Bee, we’ve helped investors creatively fund complex transactions by combining hard money with other financing tools. If you’re not already thinking this way, now’s the time to start. Here’s how it works.

Why Combine Funding Sources?

Deals aren’t always cookie-cutter. Some need speed. Others need scale. And sometimes, even the best borrower needs more than one source of cash to get across the finish line.

Stacking capital means bringing together different financing options – hard money, seller carrybacks, second liens, JV capital, even lines of credit -to create a structure that actually gets the deal done.

It’s not about overcomplicating the deal. It’s about unlocking flexibility.

The Core Role of Hard Money

Hard money usually forms the backbone of the stack. It’s fast, asset-based, and sized to the value of the property – not the borrower’s tax returns.

Lending Bee specializes in short-term, first-position loans with quick closings. Once that piece is in place, you can build the rest around it.

Smart Ways to Stack Capital

1. Hard Money + Gap Funding
Let’s say we fund 70% LTV. Your client still needs another 10-15% to cover the down payment or rehab. That’s where a gap lender, private investor, or business line of credit might step in.

2. Hard Money + Seller Financing
In some cases, the seller is willing to carry a second note. That allows your client to bridge the gap without bringing in more outside capital.

3. Hard Money + Equity Partner
For larger deals, your client may bring in a JV partner who contributes cash in exchange for a share of the profit.

4. Hard Money + DSCR or Perm Loan (Later)
Use hard money to acquire and stabilize a property, then refinance into long-term debt once the numbers are stronger.

Tips for Brokers Structuring a Stacked Deal

  • Make sure everyone’s position is documented clearly
  • Know who gets paid back first—and under what terms
  • Be transparent about timelines and exit strategy
  • Always stress-test the plan: what happens if it takes longer or costs more?

A well-structured stack can be a win-win. A messy one? That’s a lawsuit waiting to happen.

Think Bigger, Close Smarter

Your clients trust you to find solutions, not just lenders. When you understand how to layer funding—responsibly—you become a problem solver, not just a middleman.

At Lending Bee, we love working with brokers who think creatively but execute cleanly. Need help sizing or structuring a deal? We’re here.

Bring us your complex deal. We’ll help you stack it right – and close it fast.