Bad Credit Loans for Real Estate
Past credit issues should not stop your real estate career. We look at your transaction history, commission track record, and current business performance. Your production matters most.
How much funding do you need?
Drag the slider or type an amount
Credit Challenges in Real Estate Careers
Real estate careers are cyclical. Market downturns, building years, and personal situations can impact credit even for successful professionals. Current production should matter most.
Market Downturn Impact
The 2008-2009 and 2020 market disruptions created credit challenges for many real estate professionals who have since recovered and thrived.
Startup Years
Building a real estate career often involves personal financial strain. Early years may damage credit before commission income stabilizes.
Transaction Performance
A real estate professional with 20 closings and $400K in commissions last year is creditworthy regardless of a 580 credit score from years ago.
Bank Limitations
Traditional banks reject 60% of small business applications based primarily on credit scores, missing strong performers.
Credit Challenges Real Estate Professionals Face
Credit history does not always reflect current production and capability.
Credit Score Rejections
Banks see a number, not your consistent closings and commission history. Automatic rejections ignore your success.
Market Downturn Impact
Past slow markets may have impacted credit, even if you are successful now and producing well.
Past Issues Linger
Problems from years ago still haunt financing despite current production and professional success.
Career Building Years
Building a real estate career strains personal finances. Early struggles follow you on credit reports.
Personal Circumstances
Medical issues, divorce, or family emergencies impacted credit despite having nothing to do with your ability.
Limited Options
Bad credit limits funding options, often pushing real estate professionals toward predatory lenders.
Bad Credit Real Estate Funding Process
Transaction-focused evaluation for professionals with credit challenges.
Quick Application
Simple application focused on your transaction history and commissions. Soft credit pull only.
15 minutes
Performance Review
We evaluate your closings, commission history, and cash flow. Credit is one factor, not the only one.
Hours
Options Review
We match you with programs suited to your credit profile and production level.
Same day
Fast Funding
Accept your offer and receive funds. Speed depends on program type.
24-72 hours
Your Transactions and Commissions Matter Most
We focus on what matters: your closing history, commission track record, and current production. Credit score is one factor, not the only factor. Strong performance can overcome past credit challenges.
Transaction-Based Approval
Strong closing history can qualify you even with lower credit scores.
Commission History
Your commission track record shows real business success and repayment ability.
Soft Credit Pull
Initial qualification uses a soft pull that does not hurt your score further.
Fast Decisions
Do not wait months hoping for bank approval that never comes.
Commission Income Understanding
We understand the variable nature of real estate income and commission timing.
Path Forward
Use this funding to build business credit for better rates over time.
Bad Credit Real Estate Funding Uses
How real estate professionals with credit challenges use business funding.
Marketing Investment
Fund marketing to grow production and rebuild financial position.
Typical funding: $15K-$75K
Slow Period Bridge
Cover operations during market slowdowns without depleting savings.
Typical funding: $20K-$60K
Listing Expenses
Fund staging, photography, and marketing for high-value listings.
Typical funding: $10K-$40K
Technology Investment
CRM, marketing tools, and technology to compete effectively.
Typical funding: $10K-$30K
Team Building
Hire assistants or staff to grow your production capacity.
Typical funding: $20K-$75K
Credit Building
Successful repayment builds business credit for better future options.
Typical funding: $15K-$50K
Bad Credit Funding Options for Real Estate
Compare funding options available to professionals with credit challenges.
| Feature | Revenue-Based Options | Bank Loan | Commission Advance |
|---|---|---|---|
| Credit Score Focus | Revenue primary | Credit primary | Deal-based |
| Minimum Credit Score | 500+ | 680+ | Varies |
| Approval Speed | 24-72 hours | 4-8 weeks | 24-48 hours |
| Documentation | Bank statements | Extensive | Deal documents |
| Collateral | None required | Often required | Specific deal |
| Use Flexibility | Any business use | Any business use | Limited |
| Approval Likelihood | Higher | Low | High with deal |
| Best For | Lower credit, strong production | Excellent credit | Deal-specific needs |
Bad Credit Real Estate Funding Requirements
What we look for when credit scores are challenging.
Real Estate Business
Active real estate agent, broker, team, or property management company.
Licensed and active
Commission History
Recent commission or revenue history is primary qualification factor.
6+ months history
Bank Statements
Recent bank statements showing commission deposits and cash flow.
3-6 months statements
No Active Bankruptcy
No active bankruptcy proceedings. Past bankruptcies evaluated individually.
No active bankruptcy
Credit Consideration
Credit is considered but not determinative. Strong production can overcome lower scores.
500+ considered
Transaction Activity
Recent transaction activity and closing history strengthen applications.
Active production
Real estate professionals with scores in the 500s can qualify based on strong production. Commission advances and revenue-based options are particularly accessible.
Real Results
Momentum Real Estate Group
Real Estate Team, North Carolina
The Challenge
The team leader had a 538 credit score from a 2017 short sale during career transition. Despite 28 closings and $320K in commissions last year, banks would not consider her applications.
The Solution
Revenue-based financing for $38,000 based on commission performance. 1.35 factor rate with 9% revenue share. Funded in 48 hours.
The Result
Used funds for marketing that generated an additional $95K in commissions. Paid off RBF in 11 months. Used successful payment history to secure line of credit at better rates 14 months later.
“Banks saw my 538 score and stopped there. Banked saw my 28 closings and $320K in commissions. They funded my marketing when no one else would. Now my credit is rebuilding from successful payments.”
Bad Credit Real Estate Funding Data
Statistics on funding for real estate professionals with credit challenges.
Benefits for Real Estate Professionals with Credit Challenges
Why transaction-based evaluation works better for capable professionals.
Production Focus
Strong closing history and commissions matter more than past credit issues.
Soft Credit Pull
Initial evaluation does not impact your credit score further.
Credit Building Opportunity
Successful repayment builds business credit for better future options.
Revenue-Based Options
Flexible payment options based on production, not fixed amounts.
Fast Access
Get funded in days instead of months of bank deliberation.
Path to Better Rates
Start here, build history, qualify for better terms over time.