Term Loans for Real Estate
Fixed-rate financing for major real estate business investments. Predictable payments make budgeting easier despite variable commission income as you expand or make strategic investments.
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Term Loans for Major Real Estate Investments
Term loans provide predictable financing for significant business investments. Fixed rates and payments enable planning despite variable commission income.
Brokerage Acquisition
Acquiring other brokerages provides immediate agents, listings, and market share. Valuations typically run 1-3x annual gross commission income.
Office Expansion
Opening a new office costs $40,000 to $150,000 in buildout, equipment, and operating capital until profitability.
Speed vs. SBA
While SBA offers better rates, term loans fund in days versus SBA 60-90 day timelines. Speed matters for time-sensitive opportunities.
Payment Predictability
Fixed payments enable budgeting despite variable commission income. You know exactly what is due each month.
When Real Estate Businesses Need Term Loans
Major investments benefit from structured, predictable financing.
Brokerage Expansion
Opening new offices or expanding existing ones requires significant upfront investment.
Acquisition Opportunity
Buying another brokerage's agents, listings, and reputation requires substantial capital.
Major Marketing Initiative
Launching a major marketing campaign or rebrand requires significant investment.
SBA Timeline Constraints
SBA offers better rates but 60-90 day timelines. Some opportunities require faster capital.
Partner Buyout
Buying out a departing partner or retiring broker requires immediate capital.
Technology Investment
Major technology platform or system investment requires capital with manageable payments.
Real Estate Term Loan Process
Faster than banks with predictable terms and payments.
Application
Complete application with business information, financials, and investment details.
30 minutes
Underwriting
We evaluate your commission history, business performance, and investment plan.
2-5 days
Loan Offer
Receive your term loan offer with clear rate, term, and payment information.
3-7 days
Funding
Accept your offer, complete documentation, and receive funds.
1-3 days
Predictable Financing for Business Growth
Term loans provide lump sum financing with fixed monthly payments over 1-5 years. Perfect for expansion, acquisition, or major investment where you need substantial capital with predictable repayment.
Fixed Monthly Payments
Same payment amount makes budgeting easier despite variable commission income.
Office Expansion
Fund new office openings or major renovations with known payment schedule.
Acquire Brokerages
Buy another brokerage's agents, listings, and market reputation.
Team Growth
Fund recruiting and training of new agents to expand your operation.
Longer Terms
Spread payments over 1-5 years for manageable monthly costs.
Clear Total Cost
Know your total payback amount upfront. No variable rate surprises.
Real Estate Term Loan Applications
Common uses for real estate business term loans.
Brokerage Acquisition
Acquire another brokerage for agents, listings, and market presence.
Typical funding: $75K-$500K
Partner Buyout
Buy out a departing or retiring partner to consolidate ownership.
Typical funding: $50K-$300K
New Office Opening
Fund buildout, equipment, and operating capital for new location.
Typical funding: $40K-$150K
Major Marketing Campaign
Fund a significant marketing initiative or complete rebrand.
Typical funding: $25K-$100K
Technology Investment
Major CRM, marketing platform, or technology system investment.
Typical funding: $25K-$100K
Team Building
Fund recruiting bonuses and team support for agent acquisition.
Typical funding: $50K-$200K
Term Loans vs. Other Real Estate Financing
Compare term loans to alternative financing options.
| Feature | Term Loan | SBA Loan | Line of Credit |
|---|---|---|---|
| Funding Amount | $50K-$1M | $100K-$5M | $25K-$500K |
| Interest Rate | 10-18% | Prime+2-3% | 10-25% |
| Term Length | 1-5 years | 7-10 years | Revolving |
| Time to Fund | 5-10 days | 60-90 days | 1-2 weeks |
| Documentation | Moderate | Extensive | Moderate |
| Payment Structure | Fixed monthly | Fixed monthly | On draws only |
| Credit Requirements | 600+ | 680+ | 650+ |
| Best For | Mid-speed major needs | Best rates | Variable needs |
Real Estate Term Loan Requirements
Requirements for real estate business term loans.
Established Business
Operating real estate business with demonstrated commission or revenue history.
2+ years in operation
Annual Revenue
Demonstrated annual commission or revenue to support loan payments.
$150,000+ annual revenue
Owner Credit
Personal credit of business owners considered in underwriting.
600+ credit score
Financial History
Tax returns and financial statements showing business performance.
2 years financials
Income Diversity
Income from multiple transactions rather than single deal dependency.
Multiple income sources
Investment Purpose
Clear purpose for loan funds including documentation.
Documented purpose
High-producing individual agents can qualify based on strong commission history. Brokerages with diversified agent production have strongest applications.
Real Results
Landmark Realty Partners
Real Estate Brokerage, Virginia
The Challenge
The brokerage had an opportunity to acquire a competitor with 12 agents and $2.8M in annual sales volume. Purchase price was $185,000. SBA timeline was 70+ days but the seller wanted to close in 30 days.
The Solution
Business term loan for $165,000 at 14.5% over 4 years with $20,000 equity. Monthly payment: $4,580. Funded within 12 days.
The Result
Acquisition closed on schedule. Combined brokerage had 28 agents and $6.2M annual volume. Plan to refinance with SBA at better rates after establishing track record with combined operation.
“The seller had a 30-day deadline. SBA would have taken 70+ days. The term loan let us close the deal and add 12 agents immediately. The higher rate for 12 months is worth it to capture the opportunity.”
Real Estate Term Loan Data
Statistics on business term loans for real estate businesses.
Term Loan Benefits for Real Estate Businesses
Why term loans work for major real estate investments.
Speed for Opportunities
Close acquisitions and expansion deals quickly. Days versus months for SBA.
Predictable Budgeting
Fixed payments enable financial planning despite variable commission income.
Substantial Capital
Access enough capital for major investments like acquisition or expansion.
Bridge to SBA
Use term loans for speed, then refinance with SBA for better rates later.
Clear Total Cost
Know exactly what you will pay over the loan term. No surprises.
Credit Building
Successful repayment builds business credit for future financing needs.