Business Funding for Real Estate
The off-market deal needs to close in 21 days. The fix-and-flip is taking longer than expected and you need holding costs covered. Commission check is 45 days out but rent is due now. Real estate operates on deal timing where capital determines which opportunities you capture.
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Understanding Real Estate Finance
Real estate professionals face unique financing challenges driven by deal timing, commission cycles, holding costs, and the capital-intensive nature of property transactions.
Deal Timing Pressure
Real estate opportunities have deadlines. Off-market deals need to close fast. Auction properties require immediate capital. Speed determines deal capture.
Commission Timing
Agents and brokers earn large commissions sporadically. Transaction closes, then 30-60 day wait for payment. Cash flow is inherently lumpy.
Holding Cost Reality
Investment properties incur carrying costs: mortgage, taxes, insurance, utilities. Every month a property sits costs money.
Renovation Capital
Fix-and-flip requires purchase capital, renovation budget, and carrying cost reserves. Each phase ties up money until sale.
Why Real Estate Financing is Different
Deal timing, commission cycles, and holding costs create unique capital needs.
Deal Speed Requirements
The best deals need 14-21 day closes. Traditional financing takes 45+ days. Speed is competitive advantage.
Commission Timing Gap
Big deal closes but commission is 45 days out. Personal expenses and business costs don't wait.
Holding Cost Burden
Renovation taking longer than planned. Each month costs $4,000 in carrying. Need bridge capital to complete.
Multiple Project Capital
Three flips in progress at once. Capital tied up in all of them. New opportunity requires fresh capital.
Seasonal Transaction Variation
Spring selling season boom, winter slowdown. Commission income varies but expenses don't.
Renovation Budget Overruns
The contractor found foundation issues. $30,000 additional required. Project must complete to sell.
Financing Built for Real Estate Professionals
Capital solutions structured around how real estate professionals actually operate. We understand deal timing, commission cycles, holding costs, and the reality that real estate opportunities require speed.
Bridge Financing
Fast capital for deal capture, holding costs, or renovation completion. Bridge to sale or refinance.
Working Capital
Smooth commission timing gaps, fund operations, or cover business expenses between transactions.
Investment Capital
Acquisition, renovation, and project funding for investment properties.
Speed for Deals
Real estate deals have deadlines. Fast decisions when opportunities require quick closes.
Real Estate Understanding
We understand deal economics, holding costs, and real estate business specifics.
Flexible Structures
Deal-specific terms, interest-only options, and structures that match real estate timelines.
How Real Estate Professionals Use Funding
Real scenarios where real estate financing enables deal capture.
Bridge to Close
Fast capital to capture time-sensitive deals requiring quick closes.
Typical funding: $100K-$1M+
Renovation Capital
Fund fix-and-flip renovation scope or cover budget overruns.
Typical funding: $50K-$300K
Holding Cost Bridge
Cover carrying costs while waiting for sale or refinance.
Typical funding: $25K-$150K
Commission Bridge
Working capital between commission payments for agents/brokers.
Typical funding: $15K-$75K
Portfolio Expansion
Capital for acquiring additional investment properties.
Typical funding: $100K-$500K
Brokerage Operations
Working capital for real estate brokerage operations and growth.
Typical funding: $50K-$250K
Real Estate Financing Options
Understanding the range of capital solutions for real estate.
| Feature | Alternative Lender | Bank Loan | Hard Money |
|---|---|---|---|
| Approval Speed | 7-21 days | 45-60 days | 7-14 days |
| Real Estate Focus | High | Moderate | High |
| Working Capital | Available | Limited | No |
| Bridge Financing | Available | Limited | Primary focus |
| Amount Range | $50K-$2M | $200K+ | Property value |
| Cost | Moderate | Lowest | Highest |
| Credit Flexibility | Moderate | Strict | Deal-focused |
| Non-Property Capital | Available | Available | No |
Real Estate Qualification Basics
General guidelines for real estate financing. Every situation is evaluated individually.
Real Estate Experience
Track record in real estate transactions, investment, or brokerage.
Demonstrated experience
Deal Economics
For investment deals, clear path to repayment through sale or refinance.
Viable exit strategy
Property Value
For property-backed financing, collateral provides security.
Property collateral
Business Revenue
For agents/brokers, demonstrated commission income history.
$150K+ annual income
Liquidity
Reserves for holding costs and contingencies.
Adequate reserves
Personal Credit
Credit reviewed. Deal quality and collateral also matter significantly.
Varies by product
Real estate professionals with strong track records and viable deals demonstrate financing stability. Property collateral provides security for many products.
Real Results
Keystone Property Group
Fix-and-Flip Investment, Georgia
The Challenge
Keystone found an off-market duplex needing $35K renovation for $180K total investment. ARV was $285K. Seller required 18-day close. Traditional hard money needed 25+ days. Deal would be lost.
The Solution
We provided bridge financing for acquisition plus renovation budget. $215K total facility approved in 12 days, funded at closing in 16 days.
The Result
Property acquired and renovated in 4 months. Sold for $279K. After all costs including financing, Keystone netted $52K profit. Speed captured a deal competitors couldn't reach.
“The numbers worked but only if we could close fast. Missing this deal would have meant missing $52K profit. Speed was literally worth $52,000.”
Real Estate Industry Snapshot
Key metrics shaping real estate financing decisions.
Why Real Estate Professionals Choose Us
What sets real estate-focused financing apart.
Deal Speed
Real estate deals have deadlines. We provide decisions fast enough to capture opportunities.
Bridge Flexibility
Short-term capital for acquisition, renovation, or holding. Bridge to sale or refinance.
Commission Smoothing
Working capital between commission payments for agents and brokers.
Investment Understanding
We understand fix-and-flip economics, holding costs, and investor deal structures.
Multiple Deal Support
Capital for multiple projects simultaneously. Don't let one deal limit the next.
Flexible Structures
Interest-only, deal-specific terms, and structures matching real estate timelines.
Explore Your Options
Different financing products for different needs. Find the right solution for your business goals.
Working Capital Loans
Bridge commission timing, fund operations, or cover business expenses. Working capital for real estate professionals.
Business Term Loans
Acquisition, renovation, and project capital for investment properties. Structured for real estate timelines.
Business Line of Credit
Pre-approved capital for deals, operations, or opportunities. Draw as needed, repay from deals or commissions.
Revenue-Based Financing
Payments tied to revenue. Transaction-heavy months pay more, slower months adjust.
Invoice Financing
Advance on earned but unpaid commissions. Don't wait for closing and settlement timelines.
Bad Credit Options
Deal quality and collateral matter. Strong deals can fund despite credit challenges.