Get paid up to 12 months of rent upfront on any UK tenancy — new or existing. Your tenant keeps paying monthly. You get the cash now.
One application. Verified in hours. Up to 12 months of rent paid to your account within 1–3 business days.
We chase voids, arrears, and recoveries — never you. If your tenant misses a month, you keep the cash. We carry the loss.
New lets, renewals, mid-tenancy — works on every AST in the UK.
Receive rent 3 months upfront. Tenant pays monthly.
Receive rent 6 months upfront. Tenant pays monthly.
Receive rent 12 months upfront. Tenant pays monthly.
Enter your monthly rent to see exactly what you'd receive
Once your documents are in, funding is fast — decisions and disbursement in as little as 1 to 3 working days.
No commitment yet — see your quote before you proceed.
Under the Renters' Rights Act, fixed-term tenancies are being abolished. Every tenancy in England becomes periodic — meaning tenants can give two months' notice and leave at any point. For landlords, that means one thing: you can no longer count on rent arriving for a set period.
Scraye is the only way to lock in your rental income upfront in a periodic tenancy world. We pay you 3, 6 or 12 months' rent now.
| Before the Act | After the Act |
|---|---|
| ✕Fixed-term gave income certainty | →Periodic tenancies mean tenants can leave with 2 months' notice |
| ✕Break clauses defined risk clearly | →No fixed term means no guaranteed rent period |
| ✕Landlords could plan around a lease end date | →Income planning becomes significantly harder |
Get paid upfront for the period you choose. If your tenant exercises their right to leave, you've already been paid — Scraye recoups through the next tenant, not from you. If they stop paying, you keep what you've received.
Already have a tenancy? We work with new and existing tenancies — get your free quote in minutes.
A simple flow from documentation to disbursement, with no disruption to your tenancy.
Share your tenancy details, proof of ownership and tenant information. Most landlords complete this in under 3 minutes, and we'll come back to you with a decision promptly.
Once approved, Scraye issues your Advanced Rent contract for e-signature. Everything — fee, disbursement amount, term — is spelled out before you commit.
Your tenant is formally instructed that Scraye will be collecting rent from this point onwards. Scraye receives a monthly payment from the tenant prior to disbursing the lump sum to the landlord.
Scraye pays you the agreed lump sum — equivalent to 3, 6 or 12 months of rent, minus our fee — in 1 to 3 working days.
Your tenant pays Scraye each month for the remainder of the agreed period. Same amount, same schedule — the only change is who receives the payment.
When the advance period ends, you can either renew Advanced Rent for another period or resume receiving rent monthly from your tenant. It's your choice — no obligation, no automatic rollover.
No bank. No broker. Just your tenancy and a paying tenant.
Not weeks. No appraisal, no refinancing queue, no committee approvals. Apply, get approved, receive your lump sum.
We're buying your rent receivables — not lending against your property. No first charge, no mortgage covenant risk.
Once we disburse, you're paid. If your tenant misses a payment, Scraye handles recovery — not you.
A simple, clear fee disclosed upfront. No surprises in the small print.
Already have a tenant in place? Apply now. Need a new one? We can help you find and reference them as part of getting set up.
Refurbishments, tax bills, your next deposit — no restrictions on how you spend the lump sum.
Whether you own one unit or fifty, Advanced Rent is built around your cash flow — not a bank's criteria.
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 | 2–9% flat fee | None | Soft credit check |
| Further advance / remortgage | 6–12 weeks | 5–7% APR | Property | Yes |
| Bridging loan | 1–3 weeks | 8–14% APR | Property | Yes |
| BTL mortgage | 4–8 weeks | 5–6% APR | Full underwriting | Yes + income evidence |
Scraye Advanced Rent is the only option that pays you upfront — before any default can occur — without requiring property collateral or a hard credit check. Bridging loans and remortgages can take weeks and put your property at risk. Scraye typically disburses in 1–3 working days against your rent receivables alone.
Everything landlords ask before signing up.