Advanced Rent,
coming to America.
Get paid up to 12 months of rent upfront on any US lease — new or existing. Your renter keeps paying monthly. You get the cash now.
Cash in your account in days, not months
Stop waiting for rent to trickle in. Get up to 12 months of income as a lump sum — deposited in 1 to 3 business days, no bank required.
Your renter defaults. Your money is safe.
Once Scraye pays you, the risk transfers. If your renter misses a payment, that's our problem to recover — not yours.
No mortgage. No collateral. No credit check.
This isn't a loan — it's a sale of your future rent. Nothing is secured against your property and we don't underwrite your personal finances.
Choose how you
get your rent
Receive rent 3 months upfront. Renter pays monthly.
Receive rent 6 months upfront. Renter pays monthly.
Receive rent 12 months upfront. Renter pays monthly.
Join early access
Be first in line when we launch in your state. Early access pricing and priority processing.
Get early access
Takes 60 seconds. No credit check. No commitment.
No spam. No credit check. We'll only contact you when we launch in your state.
Simple from start to funded
A three-party arrangement. No bank. No collateral. No weeks of waiting.
Renter pays Month 1 to Scraye
Your renter pays their first month's rent to Scraye before any disbursement. This acts as a security buffer throughout the entire term, materially reducing default risk.
We disburse your lump sum
Scraye pays you the discounted present value of the remaining months upfront — in 1 to 3 business days. No mortgage, no property lien, no credit check on you.
Renter continues paying monthly as normal
Your renter pays Scraye each month for the rest of the agreed term. Same amount, same schedule — nothing changes for them.
You're done
The spread between total rent collected and the lump sum disbursed is Scraye's return. Transparent, flat, disclosed before you sign anything.
The fastest way to unlock
your rental income
No bank. No broker. No collateral. Just your lease and a willing renter.
Funds in 1–3 days
Not weeks. No appraisal, no refinancing queue, no committee approvals. Apply, get approved, receive your lump sum.
No property collateral
We're buying your rent receivables — not lending against your property. No first lien, no mortgage covenant risk.
Default risk transferred
Once we disburse, you're paid. If your renter misses a payment, Scraye handles recovery — not you.
Flat, transparent fee
A single percentage of total rent. No origination fees, no exit penalties, no APR surprises in the small print.
Works on existing leases
Don't need to be signing a new lease. If your renter is in place with remaining term, you can apply right now.
Use the cash freely
Renovations, tax bills, your next down payment — no restrictions on how you spend the lump sum.
Built for every kind
of landlord
Whether you own one unit or fifty, Advanced Rent is built around your cash flow — not a bank's criteria.
- Get up to 12 months of rent upfront — no waiting on monthly checks
- Fund repairs, renovations, or tax bills without taking on debt
- Your lease is the collateral — no credit lines or complex applications
- Use advanced rent as a bridge to your next acquisition or down payment
- Predictable cash flow that works alongside your existing financing structure
- Designed for repeat use as your portfolio grows unit by unit
- Factor rent across your entire portfolio with a single streamlined process
- Dedicated account support and structured terms for high-volume deals
- Built to sit alongside institutional grade financing without disruption
- Offer Advanced Rent to your landlord clients as a premium value-add service
- Earn referral fees on every funded deal — at no cost or risk to you
- A new revenue line that strengthens your client relationships
Advanced Rent vs. the alternatives
Every landlord liquidity option has trade-offs. Here's the honest picture.
| Method | Speed | Cost | Collateral | Credit check on you |
|---|---|---|---|---|
| Scraye Advanced Rent | 1–3 days | 5–11% flat fee | None | No |
| HELOC | 3–6 weeks | 7–10% APR | Home equity | Yes |
| Bridge Loan | 1–2 weeks | 10–18% APR | Property | Yes |
| Bank Loan | 4–8 weeks | 6–9% APR | Full u/w | Yes + W-2 |
| Hard Money | 3–7 days | 12–18% APR | 1st lien | Minimal |
Common questions
Everything landlords ask before signing up.
Is this a loan?
No. Scraye purchases your future rent receivables — it's a true sale, not a loan. There's no APR, no debt on your balance sheet, and no lender relationship to manage.
Does my renter need to do anything?
They'll need to sign a simple payment redirection notice so their rent goes to Scraye during the term. Their amount, lease, and everything else stays exactly the same.
What happens if my renter doesn't pay?
You've already been paid. Scraye's risk team handles recovery directly with the renter — your lump sum is protected.
Which US states are you launching in first?
We're launching in Florida first. Additional states will follow — join the waitlist and we'll notify you as soon as we go live near you.
Can I use this on an existing lease?
Yes. You don't need to be signing a new lease. If you have a renter in place with remaining term, you can apply to factor those future payments now.
What does it cost?
A flat fee on total rent collected. Current waitlist pricing: 3 months: 2.0% of rent + $99.50 admin fee; 6 months: 5.00% of rent + $199.50 admin fee; 12 months: 8.85% of rent + $299.50 admin fee. No origination fees or exit penalties — disclosed upfront before you commit.
Ready to get your
rent upfront?
Join the US waitlist. Early access pricing and priority processing for landlords who sign up now.