Your rent, months early.
Take up to 11 months of rent from your current lease as cash today. One flat fee. Not a loan, no credit check, and your tenant never notices a thing.
- 11 months
- of rent, paid up front
- 10%
- one flat fee — no interest
- 3–5 days
- typical funding time after approval
- No credit check
- and nothing on your credit report
412 Chestnut St
$2,200/mo · 12-month lease
You receive
$19,800
Typically funded 3–5 business days after approval
- 10 months of rent
- $22,000
- Ryse fee, 10% flat
- −$2,200
- Interest, credit check, lien
- None
How it works
Four steps, and only two of them need you
Your property manager stays in charge of the property. Ryse only sits behind the months you choose to advance.
- 01
Tell your property manager
Let your manager know you'd like to see your offer, or open the personal link they sent you. It's priced for your property already.
- 02
Review your offer and sign
See exactly what you'll receive and what it costs before committing. Sign the owner agreement and verify your ID in a few minutes.
- 03
Get the cash
Ryse usually funds 3–5 business days after approval. Your property manager pays it out to you, so when it lands depends on their owner distribution schedule.
- 04
Carry on as normal
Your tenant pays rent as usual. Your manager sends the advanced months to Ryse, then rent comes back to you. Nothing for you to do.
What it is
Rent you've already earned, without the wait
A rent advance buys a block of rent your tenant already owes you under their lease, and pays you for it now. You aren't borrowing, so nothing about it works like a loan.
- Credit check
- Ryse rent advance: None, and nothing reported
- Typical loan: Usually a hard pull
- Monthly payments
- Ryse rent advance: None — repaid from the rent you advanced
- Typical loan: Every month, from your pocket
- Cost
- Ryse rent advance: One flat 10% fee, known before you sign
- Typical loan: Interest that accrues until it's paid off
- Lien on the property
- Ryse rent advance: None
- Typical loan: Often, on a HELOC or cash-out refinance
- Your tenant
- Ryse rent advance: Pays rent exactly as before
- Typical loan: Not involved
| Compared on | Ryse rent advance | A typical loan or HELOC |
|---|---|---|
| Credit check | None, and nothing reported | Usually a hard pull |
| Monthly payments | None — repaid from the rent you advanced | Every month, from your pocket |
| Cost | One flat 10% fee, known before you sign | Interest that accrues until it's paid off |
| Lien on the property | None | Often, on a HELOC or cash-out refinance |
| Your tenant | Pays rent exactly as before | Not involved |
Your numbers
Run the numbers on your property
Every figure comes from the same calculation your offer uses. The fee is the whole price — there is no second number.
Estimate
What your rent is worth today
Drag the sliders, or type your numbers straight in.
Up to the months remaining on your tenant's lease
No monthly payments from you. Your tenant keeps paying rent as usual and your manager passes the advanced months to Ryse.
You receive
$0
Usually funded 3–5 business days after approval, then paid out on your property manager’s distribution schedule.
- 10 months of rent
- $22,000
- Ryse fee (10% flat)
- − $2,200
- Interest, credit check, lien
- None
An estimate from the numbers you entered, not an offer. Your property manager’s usual management fee still applies to the rent. Every property is underwritten individually.
What owners use it for
Your money, on your schedule
Whatever you'd do with a year's rent in hand instead of spread across twelve deposits.
Emergency repairs
Pay for repairs right away and keep your tenants happy.
Upgrade properties
Bring cash forward to fund renovations and raise rents.
Acquire properties
Put more cash toward your next property and use less debt.
Debt payoff
Clear balances now, not later.
Owner testimonials
In owners' own words
From our survey of owners who have completed a rent advance, shared with their permission.
“I am an owner with a rental property that needed additional funds to finish renovations on the home. Ryse worked with me and my property management company to get me the funds I needed with a quick turn around.”
“Having access to the funds relieved the stress of high interest debt and helped to pay the last of my son's college tuition.”
“I was really glad to receive the money from Ryse promptly. It has been an enormous help in calculating my personal finances.”
“The steps were really easy!! I appreciate that they offer a different advance monthly, and I took the offer when I felt I needed the extra help.”
“The rental advance was very helpful. I have been able to pay the bills for the property and put it towards other cost. Overall it have been great.”
Eligibility
Is my property a fit?
Your property manager handles the details. You’ll need:
- A residential rental property
- An active tenant who is paying rent
- A lease of 12 months or more
- A property that isn't listed for sale
Your property must be managed by a company that works with Ryse. If yours doesn’t yet, introduce us.
Manager not on Ryse yet?
Send them this. It takes ten seconds.
Advances run through your property manager, so they need to be set up first. It’s free for them, and they earn on every advance.
Could we offer rent advances through Ryse?
Hi, I came across Ryse (rysemarket.com), which lets property owners take up to 11 months of rent from a current lease as cash up front. It isn't a loan, there's no credit check, and tenants pay rent as usual. It works through the property manager: there's no cost to you, and Ryse pays managers 2% of every advance. I'd be interested in using it for my property — would you take a look? rysemarket.com/how-it-works Thanks,
Go deeper
Everything to read before you decide
The detail behind everything on this page, written for owners.
Ready when you are
Stop waiting on rent you’ve earned
Ask your property manager for your offer, or open the personal link they sent you. It’s already priced for your property, and looking costs nothing.
- Not a loan — nothing to repay from your pocket
- No credit check
- One flat 10% fee
- Your tenant is never told
Questions
What owners ask before they say yes
The answers your property manager would give you, in one place.
No, Rent Advance is not a loan or a debt.