Working Capital for Real Estate
Bridge the gap between closings with capital for marketing, operations, and growth. Whether you are an agent, broker, or property manager, keep your business moving regardless of transaction timing.
How much funding do you need?
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Real Estate Cash Flow Reality
Real estate professionals operate on commission-based income with unpredictable timing. Marketing, operations, and overhead are constant while closings are irregular. Working capital bridges these gaps.
Commission Timing
Real estate agents wait 30-90 days from contract to close. Meanwhile, marketing, fees, and operations require consistent spending.
Marketing Investment
Top agents spend 10-20% of commission income on marketing. Stopping marketing during slow periods compounds the problem.
Market Volatility
Interest rate changes, seasonal patterns, and economic conditions create significant income variability for real estate professionals.
Overhead Reality
MLS fees, E&O insurance, software, and office costs continue regardless of closing volume. Fixed costs meet variable income.
Real Estate Cash Flow Challenges
Commission-based income creates unique funding needs for real estate professionals.
Commission Timing
Income arrives at closings, but marketing and operations are ongoing monthly expenses that cannot wait.
Market Fluctuations
Slow markets mean fewer closings. Your expenses do not pause when the market does.
Marketing Investment
Winning listings requires consistent marketing spend. Stopping marketing compounds slow periods.
Deal Fall-Through
Deals fall through after significant time and money invested. Lost commissions hurt cash flow.
Seasonal Patterns
Spring and summer are busy. Winter is slow. Income timing does not match expense timing.
Growth Investment
Expanding your team or territory requires upfront investment before revenue materializes.
Real Estate Working Capital Process
Fast, simple process designed for commission-based businesses.
Quick Application
Simple application with your commission history and business information.
15 minutes
Commission Review
We evaluate your commission history and closing patterns.
Hours
Fast Approval
Receive your funding offer based on your commission performance.
Same day
Quick Funding
Accept and receive funds deposited to your account.
24-48 hours
Capital That Keeps Your Business Moving
Working capital designed for real estate professionals' unique commission-based income timing. Fund marketing, cover operations, and maintain momentum regardless of closing timing.
Fund Marketing
Keep marketing consistent between closings to maintain your pipeline.
Cover Operations
Office rent, software, MLS fees, and operational expenses covered.
Bridge Slow Periods
Maintain business during market slowdowns without cutting back.
Team Expansion
Hire agents or staff to grow your brokerage or team.
Fast Funding
Get approved and funded in 24-48 hours for urgent needs.
Commission Understanding
We understand commission-based income patterns and timing.
Real Estate Working Capital Uses
How real estate professionals use working capital funding.
Marketing Campaigns
Fund digital ads, direct mail, and marketing campaigns between closings.
Typical funding: $15K-$75K
Lead Generation
Pay for lead services, farming, and prospecting during slow periods.
Typical funding: $10K-$50K
Office Overhead
Cover office rent, utilities, and operational expenses.
Typical funding: $15K-$60K
Technology and Tools
CRM subscriptions, MLS fees, and software annual renewals.
Typical funding: $10K-$30K
Team Building
Recruit agents, hire assistants, or expand transaction coordination.
Typical funding: $25K-$100K
Brokerage Operations
Fund brokerage operational needs including agent splits and expenses.
Typical funding: $50K-$250K
Working Capital vs. Commission Advances
Compare working capital loans to commission advances.
| Feature | Working Capital | Commission Advance | Bank Line of Credit |
|---|---|---|---|
| Tied to Specific Deal | No | Yes | No |
| Funding Amount | $25K-$500K | Per commission | $25K-$250K |
| Use Flexibility | Any business use | Limited | Any business use |
| Approval Speed | 24-48 hours | 24-48 hours | 2-4 weeks |
| Credit Focus | Revenue-based | Deal-based | Credit score |
| Repayment | Scheduled payments | At closing | Variable |
| No Deal Required | Yes | No | Yes |
| Best For | General needs | Deal-specific | Strong credit |
Real Estate Working Capital Requirements
Requirements for real estate business working capital.
Real Estate Business
Active real estate agent, broker, team, or property management company.
Licensed and active
Commission History
Demonstrated commission income or property management revenue.
6+ months history
Bank Statements
Business bank statements showing commission deposits and cash flow.
3-6 months statements
Owner Credit
Personal credit considered but commission history is primary factor.
550+ credit score
Business Bank Account
Active business bank account for deposits and funding.
Business checking
No Active Bankruptcy
No active bankruptcy proceedings. Past bankruptcies evaluated individually.
No active bankruptcy
Individual agents, teams, and brokerages all qualify. Newer agents with strong recent performance can often qualify with shorter history.
Real Results
Summit Realty Group
Real Estate Brokerage, Colorado
The Challenge
The brokerage had a slow Q1 with only 4 closings versus typical 12. Monthly overhead of $28K continued while commission income dropped 65%. Marketing budget was cut, worsening the pipeline problem.
The Solution
Working capital loan for $85,000 with 18-month term. Funded in 36 hours during critical cash crunch.
The Result
Maintained full marketing budget through Q1. Pipeline recovered by Q2 with 16 closings. Avoided cutting staff or reducing marketing. Loan paid off early from Q2-Q3 commission surge. Annual revenue ended up 12% higher than previous year.
“When Q1 went slow, our instinct was to cut marketing. But that would have made Q2 worse. The working capital let us maintain marketing through the slow period. Our Q2 pipeline was the best ever because we did not stop prospecting.”
Real Estate Working Capital Data
Statistics on working capital for real estate professionals.
Working Capital Benefits for Real Estate
Advantages of working capital over commission advances.
Not Deal Dependent
Use funds for any business need, not tied to specific transactions.
Marketing Continuity
Maintain marketing spend during slow periods to keep pipeline healthy.
Overhead Coverage
Cover fixed costs that continue regardless of closing volume.
Growth Investment
Fund team expansion, territory growth, or brokerage development.
Fast Access
24-48 hour funding when cash flow needs are urgent.
Commission Understanding
Lenders who understand real estate income patterns and timing.