Merchant Cash Advance for Real Estate
Turn your real estate business's commission income into immediate capital. Repayment automatically adjusts with your deposits. Busy closing months and slower months handled naturally.
How much funding do you need?
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Flexible Funding for Real Estate Income Patterns
Real estate income is inherently variable. Closings cluster unpredictably, markets cycle, and seasons matter. MCAs provide funding that naturally adjusts to these realities.
Commission Clustering
Real estate closings often cluster. You might have 4 closings one month and 1 the next. Income timing is unpredictable.
Market Cycles
Interest rate changes, economic conditions, and market cycles create significant income variability for real estate professionals.
Seasonal Patterns
Real estate has clear seasonal patterns. Spring and summer are typically busier. Winter often slows significantly.
Fixed Payment Mismatch
Fixed loan payments during variable income periods create cash flow stress that MCAs eliminate through automatic adjustment.
Why Real Estate Professionals Choose MCA
Commission-based income requires commission-flexible financing.
Irregular Income
Commissions arrive at closings. Sometimes bunched together, sometimes sparse. Fixed payments ignore this.
Market Cycles
Hot markets and slow markets. Your income follows market conditions. Fixed payments do not.
Seasonal Patterns
Real estate has seasonal patterns. Spring rush, winter slowdown. Fixed payments ignore seasons.
Deal Fall-Through
Deals fall through after significant investment. Expected commissions vanish. Fixed payments remain.
New Agent Ramp
Building a book of business takes time. Income grows gradually. Fixed payments start immediately.
Cash Flow Stress
Fixed loan payments during slow months create unnecessary stress and financial pressure.
Real Estate MCA Funding Process
Fast, straightforward process to get you funded.
Quick Application
Simple application with basic information. Bank statements show your income.
15 minutes
Income Review
We review your commission and revenue patterns from bank statements.
Hours
Advance Offer
Receive your MCA offer with clear terms including factor rate and holdback.
Same day
Fast Funding
Accept and receive funds deposited to your account.
24-48 hours
Funding That Matches Your Closings
A merchant cash advance provides capital based on your revenue, with repayment that automatically adjusts to your actual deposits. Busy month means higher payment. Slow month means lower payment.
Commission-Flexible
Closings equal pay more. Slow months equal pay less. Same percentage, different amounts.
Works With Real Estate Income
Commissions, management fees, and brokerage revenue all count.
Fast Access
Get funded in 24-48 hours. Take advantage of marketing opportunities immediately.
No Collateral Required
Your future revenue is the collateral. No property liens or asset pledges needed.
Simple Qualification
Consistent deposits matter more than perfect credit scores.
Use For Anything
Marketing, operations, team growth, expansion. No restrictions on use.
Real Estate MCA Funding Uses
How real estate professionals use merchant cash advances.
Marketing Campaigns
Fund digital ads, direct mail, and marketing between closings.
Typical funding: $15K-$75K
Slow Period Bridge
Cover operations during market slowdowns or seasonal lulls.
Typical funding: $25K-$100K
Team Expansion
Recruit agents or hire staff with payments that flex with results.
Typical funding: $25K-$75K
Listing Expenses
Fund staging, photography, and marketing for high-value listings.
Typical funding: $10K-$40K
Office Overhead
Cover rent, utilities, and fixed costs during variable income periods.
Typical funding: $15K-$50K
Technology Investment
Fund CRM, marketing tools, and technology with flexible repayment.
Typical funding: $10K-$40K
MCA vs. Traditional Real Estate Financing
Compare merchant cash advances to other funding options.
| Feature | Merchant Cash Advance | Bank Term Loan | Commission Advance |
|---|---|---|---|
| Payment Structure | Revenue percentage | Fixed monthly | Per deal |
| Income Flexibility | Automatic adjustment | No flexibility | Deal-specific |
| Funding Speed | 24-48 hours | 2-6 weeks | 24-48 hours |
| Credit Focus | Revenue-based | Credit score heavy | Deal-based |
| Collateral | None required | Often required | Specific deal |
| Use Flexibility | Any business use | Any business use | Limited |
| Deal Requirement | None | None | Deal in escrow |
| Best For | Variable income | Stable income | Specific deal float |
Real Estate MCA Requirements
Basic requirements for real estate merchant cash advances.
Real Estate Business
Active real estate agent, broker, team, or property management company.
Licensed and active
Monthly Revenue
Consistent monthly deposits from commissions or management fees.
$10,000+ monthly
Bank Statements
Recent business bank statements showing income deposits and cash flow.
3-6 months statements
Business Bank Account
Active business bank account where deposits and debits occur.
Business checking
No Active Bankruptcy
No active bankruptcy proceedings. Past bankruptcies evaluated individually.
No active bankruptcy
Income Consistency
Reasonably consistent income patterns, allowing for normal real estate variability.
Consistent deposits
MCAs focus on revenue performance rather than credit scores. Real estate professionals with lower credit can often qualify based on strong commission history.
Real Results
Keystone Real Estate Group
Real Estate Team, Pennsylvania
The Challenge
The team had significant income variability from commission clustering and seasonal patterns. Q1 was typically slow while Q2-Q3 were busy. Traditional loans with fixed payments created stress during slow periods.
The Solution
Merchant cash advance for $55,000 with 1.32 factor rate and 10% daily holdback. Funded in 36 hours.
The Result
January payment was $2,800 during slow period. May payment increased to $6,200 during busy season. No stress, no calls, automatic adjustment. Used funds for marketing that generated $180K in additional commissions.
“January is always brutal in real estate. With the MCA, my payment dropped to match my income. Then spring came and I was paying more but earning more. It just matched my business reality perfectly.”
Real Estate MCA Data
Statistics on merchant cash advances for real estate professionals.
MCA Benefits for Real Estate Professionals
Advantages of merchant cash advances for commission-based income.
Natural Income Alignment
Payments match your deposits. Busy and slow periods handled automatically.
Revenue-Based Qualification
Strong commission history can qualify you even with imperfect credit.
Speed to Capital
24-48 hour funding means you can act on marketing and growth opportunities.
Seasonal Flexibility
Spring rush and winter slowdown are handled without stress.
No Property Liens
Your real estate holdings are not pledged as collateral.
Marketing Continuity
Keep marketing consistent through income variability.