Revenue-Based Financing for Real Estate
Funding with payments that match your actual commissions. Closing-heavy months, you pay more. Lighter months, you pay less. Same percentage, automatic adjustments without renegotiation.
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Revenue-Based Funding for Commission Income
Real estate professionals face inherent income variability from closing timing, market conditions, and seasonality. RBF provides funding that automatically adjusts to these realities.
Commission Clustering
Real estate closings often cluster unpredictably. One month might have 5 closings, the next might have 1. Income is inherently variable.
Market Impact
Interest rates, inventory levels, and economic conditions significantly impact transaction volume and commission income.
Seasonal Reality
Real estate has clear seasonal patterns. Spring and summer typically see higher volume. Winter often slows significantly.
Fixed Payment Problem
Fixed loan payments during variable income months create cash flow stress that RBF eliminates through automatic adjustment.
Why Fixed Payments Do Not Work for Real Estate
Commission-based income requires commission-flexible financing.
Commission Timing
Some months have multiple closings. Others have none. Fixed payments do not adjust to this reality.
Market Cycles
Hot markets and slow markets create income variability. Your payments should reflect market conditions.
Seasonal Patterns
Spring rush, winter slowdown. Same payment all year does not make sense for real estate income.
Deal Fall-Through
Expected closings fall through. Fixed payments remain due despite lost income.
New Agent Ramp
Building a book of business takes time. Income grows gradually while fixed payments start immediately.
Cash Flow Stress
Fixed loan payments during slow months create unnecessary financial pressure and stress.
Real Estate RBF Process
Fast, simple process to get flexible funding.
Quick Application
Simple application with basic information. Bank statements show your income history.
15 minutes
Commission Review
We review your commission patterns and calculate your funding offer.
Hours
Funding Offer
Receive your RBF offer with clear terms including repayment percentage and cap.
Same day
Fast Funding
Accept and receive funds deposited to your account.
24-72 hours
Payments That Match Your Closings
Revenue-based financing adjusts automatically. More closings equal higher payment. Fewer closings equal lower payment. Same percentage, different amounts. No renegotiation needed.
Automatic Adjustments
Payments scale with your deposits automatically. No calls, no renegotiation.
Commission Aligned
Closing month means higher payment. Slow month means lower payment. Natural flow.
Works With Real Estate Income
Commissions, management fees, and brokerage revenue all count.
Simple Percentage
A fixed percentage of revenue goes to repayment until funding is repaid.
Fast Funding
Get approved based on your commission history without extensive documentation.
Cash Flow Friendly
Never get squeezed by payments that do not match your closings.
Real Estate RBF Applications
How real estate professionals use revenue-based financing.
Marketing Investment
Fund marketing with payments that flex with commission results.
Typical funding: $15K-$75K
Slow Period Bridge
Cover operations during market slowdowns with flexible payments.
Typical funding: $25K-$100K
Team Building
Hire staff or recruit agents with payments that grow with team results.
Typical funding: $25K-$75K
Seasonal Bridge
Cover winter slowdown with payments that drop during slow period.
Typical funding: $20K-$60K
Technology Investment
Fund CRM and marketing tools with flexible repayment.
Typical funding: $10K-$40K
Listing Expenses
Cover staging and marketing costs with payments tied to results.
Typical funding: $10K-$35K
RBF vs. Traditional Real Estate Financing
Compare revenue-based financing to other funding options.
| Feature | Revenue-Based Financing | Bank Term Loan | Line of Credit |
|---|---|---|---|
| Payment Structure | Revenue percentage | Fixed monthly | Interest on draws |
| Payment Adjustments | Automatic | None | Some flexibility |
| Funding Speed | 24-72 hours | 2-6 weeks | 1-2 weeks |
| Credit Focus | Revenue-based | Credit score heavy | Credit important |
| Collateral | None required | Often required | Business assets |
| Documentation | Bank statements | Extensive | Moderate |
| Repayment Cap | Fixed total | Fixed total | Varies |
| Best For | Variable income | Stable income | Variable needs |
Real Estate RBF Requirements
Basic requirements for real estate revenue-based financing.
Real Estate Business
Active real estate agent, broker, team, or property management company.
Licensed and active
Monthly Revenue
Consistent monthly commission or management fee deposits.
$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
RBF focuses on revenue performance rather than credit scores. Real estate professionals with lower credit can often qualify based on strong commission history.
Real Results
Premier Realty Group
Real Estate Team, Tennessee
The Challenge
The team had significant income variability from commission clustering and seasonal patterns. Q2-Q3 were strong while Q1 and Q4 were slower. Traditional loans with fixed payments created stress during slow periods.
The Solution
Revenue-based financing for $48,000 with 10% revenue share until 1.38x repaid. Payments automatically adjust monthly.
The Result
December payment was $2,400 during slow season. May payment increased to $5,800 during busy season. No stress, automatic adjustment. Used funds for marketing that generated $145K in additional commissions over the year.
“December and January are always slow in real estate. With RBF, my payment dropped to match. Then spring came and I was paying more but closing more. It just matched my business reality automatically.”
Real Estate RBF Data
Statistics on revenue-based financing for real estate professionals.
RBF Benefits for Real Estate Professionals
Advantages of revenue-based financing for commission income.
Natural Income Alignment
Payments match deposits. Busy and slow periods handled automatically.
Revenue-Based Qualification
Strong commission history can qualify you even with imperfect credit.
Speed to Capital
24-72 hour funding means you can act on opportunities quickly.
Seasonal Flexibility
Spring rush and winter slowdown are handled without stress.
No Property Liens
Your real estate holdings are not pledged as collateral.
Capped Total Cost
Know your maximum repayment upfront. No interest rate surprises.