Line of Credit for Real Estate
Have capital ready when you need it. Draw for marketing campaigns, listing expenses, or growth initiatives. Only pay interest on funds you actually use and credit replenishes as you pay down.
How much funding do you need?
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Why Lines of Credit Work for Real Estate
Real estate businesses face variable capital needs from marketing timing, listing expenses, and income gaps between closings. A line of credit provides on-demand capital for these fluctuating needs.
Marketing Timing
Listing marketing needs arise unpredictably. Having credit ready means you can market listings immediately when they come.
Listing Expenses
Staging, photography, and presentation costs add up for each listing. Cash flow from previous closings may not align.
Income Gaps
Commission timing creates gaps. Operations continue between closings. A line of credit bridges these gaps.
Opportunity Readiness
Real estate opportunities arise suddenly. Having credit ready means you can act quickly on recruiting, marketing, or expansion.
Why Real Estate Professionals Need Flexible Credit
Variable needs require on-demand capital availability.
Marketing Timing
Need to launch marketing for a new listing. Commissions from previous deals have not arrived yet.
Listing Expenses
Staging, photography, and open house costs add up for each listing you take.
Between Closings
Operations continue between closings. Income does not. Need to bridge the gap.
Recruitment Opportunities
Great agent becomes available. Need capital for signing bonus or team support immediately.
Seasonal Slowdowns
Winter slowdown means fewer closings. Operations and marketing should continue.
Growth Opportunities
Expansion opportunity appears. Need capital ready to act quickly.
Real Estate Line of Credit Process
Get approved once, draw funds whenever needs arise.
Application
Complete application with business information, commission history, and bank statements.
15 minutes
Credit Approval
We review your business and establish your credit limit based on income and history.
1-5 days
Line Established
Your credit line is established and ready for draws whenever you need capital.
Same day
Draw As Needed
Request draws anytime. Funds typically available same-day or next business day.
Same day draws
Your On-Demand Real Estate Capital
A line of credit gives your real estate business access to capital whenever marketing, listing, or operational needs arise. Draw what you need, when you need it. Pay interest only on outstanding balances.
Marketing On Demand
Fund marketing campaigns when listings arrive. Do not wait for commission deposits.
Pay Only For Use
Have a $100K line but only need $20K? You only pay interest on the $20K drawn.
Listing Expenses
Cover staging, photography, and presentation costs for any listing.
Bridge Closings
Draw during slow periods, repay when closings come. Continuous availability.
Growth Ready
Capital available for expansion, recruiting, and opportunity capture.
Revolving Access
Pay down after closings, use again. Ongoing availability for needs.
Real Estate Line of Credit Uses
How real estate professionals use lines of credit.
Marketing Campaigns
Fund digital ads, direct mail, and marketing for new listings.
Typical funding: $5K-$25K draws
Listing Preparation
Cover staging, photography, and presentation expenses.
Typical funding: $2K-$15K draws
Operations Bridge
Cover overhead during gaps between closing commissions.
Typical funding: $10K-$40K draws
Agent Recruiting
Fund signing bonuses and team support for new agents.
Typical funding: $10K-$50K draws
Seasonal Bridge
Cover winter slowdown while maintaining marketing presence.
Typical funding: $15K-$50K draws
Technology Investment
Fund CRM, marketing tools, and technology needs.
Typical funding: $5K-$25K draws
Line of Credit vs. Other Real Estate Funding
Compare lines of credit to alternative funding options.
| Feature | Line of Credit | Term Loan | MCA |
|---|---|---|---|
| Access Structure | Draw as needed | Lump sum | Lump sum |
| Interest Charges | Only on draws | Full amount | Factor rate |
| Credit Renewal | Revolving | Reapply | Renewal after paydown |
| Typical Limit | $25K-$500K | $50K-$1M | $25K-$500K |
| Interest Rate | 10-25% | 8-18% | Factor 1.2-1.4 |
| Draw Speed | Same day | N/A | N/A |
| Best For | Variable needs | Major projects | Income-flexible |
| Repayment | Flexible | Fixed monthly | Revenue percentage |
Real Estate Line of Credit Requirements
Basic requirements for real estate business lines of credit.
Established Business
Operating real estate agent, team, brokerage, or property management company.
1+ year in operation
Monthly Income
Consistent monthly commission or management fee income.
$15,000+ monthly
Bank Statements
Business bank statements showing income and cash flow patterns.
6-12 months statements
Owner Credit
Personal credit of business owners. Lines typically require better credit.
650+ credit score
Financial Health
Business should show stable operations and reasonable cash flow.
Positive cash flow
Income Diversity
Income from multiple sources or deals rather than single transaction dependency.
Multiple income sources
Lines of credit typically have stricter requirements than term loans or MCAs due to the revolving, long-term nature of the facility.
Real Results
Metro Real Estate Associates
Real Estate Team, Georgia
The Challenge
The team faced variable capital needs from listing marketing, staging costs, and income timing gaps. Taking separate loans for each need was inefficient and expensive.
The Solution
Business line of credit for $85,000 at 16% APR on drawn amounts. No annual fee. Draws available same-day.
The Result
Over 12 months, the team used the line 18 times for needs ranging from $3,500 staging to $22,000 marketing campaign. Average utilization was 32% of line. Only paid interest on actual draws, saving compared to term loan alternative.
“The line of credit is like having a partner with deep pockets. When a listing needs staging, I draw. When commissions come, I pay down. I only pay for what I use, and it is always there when I need it.”
Real Estate Line of Credit Data
Statistics on business lines of credit for real estate professionals.
Line of Credit Benefits for Real Estate
Advantages of establishing a business line of credit.
Marketing Readiness
Launch listing marketing immediately without waiting for commission deposits.
Cost Efficiency
Pay interest only on drawn amounts. Unused credit costs nothing.
Cash Flow Smoothing
Bridge gaps between closings without stress or multiple loan applications.
Growth Support
Capital ready for recruiting, expansion, and opportunity capture.
Listing Investment
Fund staging and presentation for any listing without cash constraints.
Seasonal Buffer
Bridge winter slowdowns while maintaining marketing presence.