Your next twelve months of rent is already yours. It’s contracted. It’s coming. But you can’t spend it, invest it, or put it to work — because it trickles in one month at a time.
Advanced Rent from Scraye changes that. We buy your future rent receivables and pay you the lump sum upfront — up to 12 months of rent in 1 to 3 business days — while your renter keeps paying monthly exactly as they do today. No loan. No property collateral. No hard credit pull on you. It isn’t financing. It’s access to an asset you already own.
Scraye has already advanced over $10 million in rent to landlords through its UK operation, with a default rate under 1% and virtually zero marketing spend. Advanced Rent is now coming to the United States, launching in Florida in 2026. The early-access waitlist is live today — every landlord who joins gets priority processing and waitlist pricing when their state goes live.
What is Advanced Rent?
Advanced Rent is a US service that pays landlords up to 12 months of rent upfront in a single lump sum, in exchange for a flat fee. The landlord receives the cash in 1 to 3 business days; the renter continues paying monthly as normal. It is a true sale of future rent receivables — not a loan.
You receive the equivalent of 3, 6, or 12 months of rent in one payment. Your renter continues paying their monthly rent to Scraye until the advance is recouped — and then payments revert directly to you.
A few things Advanced Rent is not:
- Not a loan. No APR. No interest. No debt on your balance sheet. No lender relationship to manage.
- Not secured against your property. No mortgage. No lien. No collateral.
- Not a hard credit product. Underwriting is built around the lease and the renter. Scraye does run a soft credit check on the landlord, but it leaves no footprint on your credit file and does not affect your credit score or your next mortgage application.
In the market this structure is sometimes called rent factoring or a rent advance; Scraye’s branded product is Advanced Rent. Critically: your renter’s rent amount, lease terms, and payment schedule do not change. The only thing that changes for them is a simple payment-redirection notice so their monthly rent goes to Scraye during the advance period.
Your future rent is an asset — Advanced Rent lets you actually use it
Here’s a simple truth most landlords never stop to think about: the rent your renter will pay over the next 12 months is income you’ve already effectively earned. The lease is signed. The renter is in place. The payments are coming.
But in financial terms, that future rent is an illiquid asset. You can’t spend it. You can’t invest it. You can’t use it to fund a roof repair today, cover a tax bill next month, or put down a deposit on your next property — until it slowly trickles in, one month at a time. Meanwhile, the property itself — often your single largest asset — is equally illiquid unless you take on debt or sell.
Landlords hold two of the most valuable assets in personal finance, and neither of them is liquid.
That’s the structural problem. Traditional financing tries to solve it by lending against one of those assets — putting a lien on the property, charging interest, pulling your credit. You end up with debt on your balance sheet to access cash you already own.
Advanced Rent is the first product built to make your future rent liquid on its own terms. Same asset. Earlier access. No debt. No lien. No interest. No restructuring of your balance sheet to get at cash flow you’ve already earned. Just the rent you’re already owed — paid now instead of over the next year.
How does Advanced Rent work?
A four-step, three-party arrangement that takes your lease from application to funded in 1 to 3 business days.
- Your renter pays Month 1 to Scraye. The first month’s rent is paid directly to Scraye before disbursement. This acts as a security buffer throughout the full term, materially reducing default risk and protecting your lump sum.
- Scraye disburses your lump sum. Once approved, we wire the discounted present value of your remaining monthly rents directly to your bank account — in 1 to 3 business days. No mortgage. No lien. No hard credit check on you.
- Your renter continues paying monthly. Your renter pays Scraye each month for the rest of the agreed term. Same amount, same date, same schedule — nothing changes for them.
- You’re done. No ongoing management. No repayment schedule to track. The spread between total rent collected and the lump sum we paid out is Scraye’s return — flat, transparent, disclosed before you sign anything.
No appraisal. No refinancing queue. No committee approvals. Apply, get approved, receive your lump sum.
Why do US landlords need a better option?
You’ve got equity, you’ve got paying renters, and you still can’t access your own cash flow when you actually need it.
The traditional options are slow, expensive, or invasive:
- HELOCs take 3 to 6 weeks to close, put a lien on your home equity, and require a full hard credit check.
- Bridge loans are faster but come with 10–18% APR and require your property as collateral.
- Bank loans involve full underwriting, W-2 scrutiny, and 4 to 8 weeks of waiting.
- Hard money is fast, but you’re paying 12–18% APR and handing over a first lien on the property.
And asking your renter to pay rent upfront? That rarely works in competitive US rental markets, and in many states creates security-deposit complications you don’t want to deal with.
Advanced Rent threads the needle: the speed of hard money without the lien. A flat fee, not an APR. A soft credit check, not a hard pull. No property collateral. And approval based on the asset that’s actually generating the income — your lease.
Advanced Rent vs. the traditional alternatives
| Method | Speed | Cost | Collateral | Credit check on you |
|---|---|---|---|---|
| Scraye Advanced Rent | 1–3 days | 5–11% flat fee | None | Soft only |
| HELOC | 3–6 weeks | 7–10% APR | Home equity | Yes — hard |
| Bridge Loan | 1–2 weeks | 10–18% APR | Property | Yes — hard |
| Bank Loan | 4–8 weeks | 6–9% APR | Full underwriting | Yes + W-2 |
| Hard Money | 3–7 days | 12–18% APR | 1st lien | Minimal |
Soft credit check: Scraye reviews your credit file as part of underwriting. A soft check leaves no footprint, does not affect your credit score, and does not appear on your next mortgage application.
When should landlords use Advanced Rent?
Every landlord’s cash-flow moment is different. The most common use cases we see among Scraye landlords:
- Funding renovations between tenancies — roof repairs, kitchen upgrades, turn costs — without taking on debt or waiting on reimbursement.
- Covering property tax bills when the annual assessment lands before your reserves have caught up.
- Funding the down payment on your next property — turning a lease already in place into the capital to acquire another unit.
- Bridging to an acquisition — using rent from existing units to fund the next close, without refinancing or opening a new credit line.
- Scaling a portfolio without a bank — repeated draws as your rental base grows, unit by unit.
- Paying large one-off costs — tax bills, partnership buyouts, capital calls, family obligations — without touching a mortgage or HELOC.
- Simplifying cash flow for out-of-state and international owners, by consolidating monthly rent into a single upfront disbursement.
The common thread: cash-flow timing matters, and you don’t want to take on debt or touch your property to solve it.
Is Advanced Rent a loan?
No. Advanced Rent is a true sale of future rent receivables, not a loan. That distinction isn’t legal fine print — it has real financial consequences for the landlord.
Because Advanced Rent is a sale rather than a loan:
- There’s no APR — you don’t compound interest.
- There’s no debt on your balance sheet — your debt-to-income ratio is untouched.
- There’s no lender relationship — no covenants, no reporting, no “we’ll need to see your tax returns again next year.”
- There’s no impact on your next mortgage application — because Advanced Rent isn’t a mortgage, a line of credit, or a revolving liability.
- There’s no lien on the property — meaning you can still sell, refinance, or do anything else you’d normally do with the asset.
For real estate investors scaling a portfolio, that last point is the quiet one that matters most. Every dollar of traditional debt tightens the terms on your next deal. Advanced Rent doesn’t.
How do I know Advanced Rent actually works? A UK track record.
Advanced Rent isn’t an unproven concept launching in the US from zero. It’s a product with a track record.
Since launch in the UK, Scraye has advanced over $10 million in rent to landlords — with a default rate under 1% and virtually zero marketing spend. Every dollar of that volume has come from organic growth: landlord word of mouth, letting-agent referrals, and renters and landlords already transacting on the Scraye platform.
The vast majority of Advanced Rent landlords come back. In financial services, repeat usage is the single strongest indicator of product quality.
Landlords don’t come back to a service that disappointed them the first time. Now, with that track record behind it, Scraye is bringing Advanced Rent to US landlords.
Who is Advanced Rent built for?
Advanced Rent is built around your cash flow — not a bank’s criteria. That means it works whether you own one rental or fifty.
- Small landlords (1–10 units) — Get up to 12 months of rent upfront without waiting on monthly checks. Fund repairs, renovations, or tax bills without taking on debt. Your lease is the collateral — no credit lines, no complex applications.
- Scaling investors (10–50 units) — Use Advanced Rent as a bridge to your next acquisition or down payment. Predictable cash flow that sits alongside your existing financing. Designed for repeat use as your portfolio grows, unit by unit.
- Institutional landlords (50+ units) — Factor rent across your entire portfolio through a single streamlined process. Dedicated account support, structured terms, and built to sit alongside institutional-grade financing without disruption.
- Property managers — 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.
Which US states is Advanced Rent launching in?
The first US state going live is Florida, in 2026. Additional states will follow soon after.
Joining the waitlist does three things:
- Locks in early-access pricing before the public launch.
- Gives you priority processing the moment your state goes live.
- Notifies you immediately when Advanced Rent launches in your market — no need to keep checking.
No hard credit check. No commitment. Takes about 60 seconds at us.scraye.com.
Frequently Asked Questions
What is Advanced Rent?
Advanced Rent is a US service that pays landlords up to 12 months of rent upfront in a single lump sum, typically delivered in 1 to 3 business days. Your renter continues paying monthly as normal. It’s a true sale of future rent receivables — not a loan — offered by Scraye.
Is Advanced Rent a loan?
No. Advanced Rent is a true sale of your future rent receivables. There’s no APR, no interest, no debt on your balance sheet, and no lender relationship. Nothing is secured against your property, and we don’t underwrite your personal finances.
Is Advanced Rent the same as rent factoring?
Yes. “Rent factoring” and “rent advance” are industry terms for this product. Scraye’s branded product is Advanced Rent.
Does Scraye check my credit?
Scraye runs a soft credit check on the landlord as part of underwriting. A soft check does not leave a footprint on your credit file, does not affect your credit score, and does not appear on your next mortgage application. This is structurally different from the hard credit pulls required by HELOCs, bridge loans, and bank loans.
Does my renter need to do anything?
They’ll 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. They do not face any new credit check.
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. Once we disburse, the default risk transfers to us.
Which US states are you launching in first?
We’re launching in Florida first. Additional states will follow — join the waitlist to be notified as soon as we go live in your state.
Can I use Advanced Rent 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 Advanced Rent cost?
A flat fee on total rent collected — ranging from 5% to 11% depending on the term length. Current waitlist pricing: 3 months at 2.0% of rent + $99.50 admin fee; 6 months at 5.00% of rent + $199.50 admin fee; 12 months at 8.85% of rent + $299.50 admin fee. No origination fees, no exit penalties, no APR surprises — disclosed upfront before you commit.
Will Advanced Rent show up on my credit report?
No. Advanced Rent isn’t a loan, so it doesn’t appear as debt on your credit report. The soft credit check we run as part of underwriting doesn’t leave a footprint either, so there’s no impact on your credit score or your next mortgage application.
How fast will I actually get the money?
Funds typically land in your account within 1 to 3 business days of approval.
Can I use the cash however I want?
Yes. Renovations, tax bills, your next down payment, a partnership buyout — there are no restrictions on how you use the lump sum.
How is Advanced Rent different from a HELOC or a bridge loan?
A HELOC and a bridge loan are both debt — they put a lien on your property, charge interest, and require hard credit checks. Advanced Rent isn’t debt. You sell your future rent in exchange for cash now. No lien, no interest, soft credit check only, no impact on your credit file.
Who is Advanced Rent for?
US landlords — from owners of a single rental to institutional portfolios — looking to fund renovations, cover tax bills, bridge to their next acquisition, or simply convert monthly cash flow into a lump sum on their own schedule.
Ready to unlock your rental income?
Your next twelve months of rent is already yours. Advanced Rent just gets it to you sooner.
Join the Advanced Rent waitlist at us.scraye.com and lock in early-access pricing before the public launch. Takes 60 seconds. No hard credit check. No commitment.
The fastest way to unlock your rental income in the US is coming in 2026 — and landlords on the waitlist get there first.
Scraye Advanced Rent is provided by Scraye Technologies. Service availability is subject to underwriting and state-by-state launch. This article is general information and does not constitute financial or legal advice; landlords with specific tax, regulatory, or lease questions should seek professional guidance.