📉 Smooth cash flow – Real estate loans help bridge income gaps from market slowdowns, delayed closings, or seasonal dips.
🛠️ Use funds flexibly – Loans can cover marketing, payroll, vehicles, tech upgrades, property repairs, or new agent hires.
🏦 Multiple loan options – Choose from working capital loans, SBA loans, term loans, equipment financing, and more.
🔐 Secured or unsecured – Real estate pros can access funding without collateral through unsecured loans.
📋 Simple qualifications – Minimums: $75K annual revenue, 550+ credit score, 6+ months in business.
⏱️ Fast turnaround – Most loans fund within 1–3 business days; SBA loans take longer but offer better terms.
📈 Boost your credit – On-time loan payments can improve your credit profile and unlock better future financing.
❗ Even with bad credit – Alternative lenders may still approve you based on revenue and business health.
The real estate industry offers professionals a unique opportunity to earn a substantial income while maintaining a flexible schedule. However, that freedom comes with financial volatility. Whether you’re a real estate agent, broker, or investor, you know that income can be unpredictable, often delayed by long closing cycles, client decisions, and market fluctuations. Unexpected repairs, changing property values, or seasonal slowdowns can also strain your cash flow.
Fortunately, small business loans for the real estate industry can provide a financial cushion to help you cover operational expenses, invest in marketing, or upgrade your real estate office. At United Capital Source, we specialize in matching real estate professionals with the right business loan products to suit their needs, from working capital loans to SBA-backed programs.
United Capital Source facilitates small business loans to real estate companies for a wide range of purposes. Potential borrowers could be looking to expand, cover business expenses amid unforeseen events, or take advantage of sudden opportunities.
Volatile industries require business loans that can be approved the moment they become necessary. At United Capital Source, we can negotiate multiple business funding programs in a matter of days, even during gaps in cash flow or slow periods. Rather than basing decisions on the past, borrowing amounts and terms are often based on how much money is coming in.
Working capital loans are tailored for buying additional properties upfront or maintaining operations amid market fluctuations. Marketing efforts, for example, must be intensified months before busy periods. With certain working capital loans, you could finance campaigns without having to make significant payments until business picks backs up.
If you need a little extra cash to repair an existing property, a business line of credit might be a better fit. Staying current on regular business expenses no longer has to be an issue when compensation is delayed. Many UCS clients also use business lines of credit to meet surges in demand, which can happen much earlier or later than expected.
Business lines of credit are typically recommended for companies frequently prone to emergency expenses or dips in revenue. Similarly, real estate companies are taught to anticipate surprise costs and drastic market changes. With a business line of credit, you don’t have to let recurring inconveniences stop you from focusing on closing sales or financing other revenue-generating elements of your business. Apply now to see how much you qualify for!
Real estate business loans are financing solutions designed to support the cash flow and growth needs of real estate companies. These loans can help manage the highs and lows of the real estate cycle, offering funding for marketing, payroll, repairs, office space upgrades, and more.
Real estate agent business loans are business loans taken out by realtors. Small business loans can help real estate agents manage cash flow effectively. Funding for real estate agents can cover a range of business-related expenses, including marketing.
Whether you’re a solo real estate agent or manage a large team, these small business loans are tailored to help your business remain stable and grow over time.
Business loans for real estate brokers and companies come in the form of:
Real estate business loans can come in several forms, each with its own features and benefits. Business loans can be either secured or unsecured. Secured business loans have collateral. Unsecured business loans do not require collateral from the borrower. This option is appealing to real estate agents who want to secure financing without putting their assets at risk.
Real estate businesses often utilize business term loans for substantial investments. A term loan is a traditional loan product in which borrowers receive a lump sum upfront. Term loans provide a lump sum amount that is paid back over time with interest. These can be particularly helpful for large purchases, such as expanding your real estate office or investing in new marketing campaigns.
Equipment financing offers several options for funding real estate businesses. Real estate agent business loans enable the purchase or maintenance of vehicles. Business vehicles are often essential for showing properties or traveling to listings.
Accounts receivable financing, also known as invoice factoring, is another valuable option in the real estate industry. Invoice factoring allows real estate agents to get a lump sum loan based on unpaid invoices. Invoice factoring can provide immediate cash flow for slow-paying clients, especially helpful when waiting on commissions or client reimbursements.
Business lines of credit often provide real estate business owners with more options. A business line of credit allows access to money on an as-needed basis, similar to a credit card. Business lines of credit provide financial flexibility for real estate agents. A line of credit is like a credit card, but the borrowing limit is often much higher.
Revenue based financing allows access to funding based on future revenue with regular payments. This may benefit real estate agents with strong sales pipelines but inconsistent income.
Established real estate business owners with good credit seeking a higher loan amount may consider Small Business Administration (SBA) loans. SBA loans can be used for any business-related expense. SBA loans are guaranteed by the government, making it easier for businesses to qualify for funding.
SBA 504 loans enable small businesses to purchase commercial real estate and construct buildings. The SBA 504 loan program offers loans in amounts of up to $5 million for small businesses. Real estate agents can use SBA 504 loans to build their offices.
| LOAN TYPES | MAX AMOUNTS | RATES | SPEED |
|---|---|---|---|
| Merchant Cash Advances | $7.5k – $1m | Starting at 1-6% p/mo | 1-2 business days |
| SBA Loan | $50k-$10m | Starting at Prime + 2.75% | 8-12 weeks |
| Business Term Loan | $10k to $5m | Starting at 1-4% p/mo | 1-3 business days |
| Business Line of Credit | $1k to $250k | Starting at 1% p/mo | 1-3 business days |
| Receivables/Invoice Financing | $10k-$10m | Starting at 1% p/mo | 1-2 weeks |
| Equipment Financing | Up to $5m per piece | Starting at 3.5% (SBA) | 3-10+ business days |
| Revenue Based Business Loans | $10K – $5m | Starting at 1-6% p/mo | 1-2 business days |
Real estate business loans help smooth out irregular cash flow and provide the capital needed for marketing, staffing, and general operations. With access to financing, real estate agents and agencies can seize opportunities like acquiring new office space, investing in advertising, or hiring support staff before the busy season.
Loan products, such as business lines of credit, also provide financial flexibility, enabling real estate professionals to adapt quickly to changing market conditions. SBA loans offer long-term funding options with lower interest rates and repayment terms that support sustainable growth.
Despite the many benefits, real estate business loans also come with potential drawbacks. Some loans may require a strong personal credit score or extensive documentation, which can slow down the approval process. S
BA loan programs, although offering favorable terms, often take weeks or months to be funded. Depending on your loan agreement, you may face higher monthly payments, especially with short-term financing options. Additionally, the repayment obligation remains regardless of changes in commission schedules or closing timelines, making cash flow management crucial.
Pros:
Cons:
The amount of paperwork required depends on the product you choose. Funds can be approved and distributed for most products within 1-3 business days. Here’s how to apply:
The first step is choosing the most sensible solution to the problem at hand. This should require some research, as each product is designed for different types of expenses and cash flow cycles. Are you looking to cover a short-term or long-term expense? Is demand expected to increase or decrease in the coming months?
Considering the funds’ purpose will also help us determine the correct borrowing and terms for your needs.
Here are the documents and information required for Real Estate Agency Loans:
SBA loans require additional documents and information, such as financial statements. To learn what’s needed for the SBA-backed loans, visit our SBA loan page.
You can begin the application process by calling us or filling out our one-page online application. Either way, you’ll be asked to enter the information from the previous section along with your desired funding amount.
Once you apply, a representative will contact you to explain the repayment structure, rates, and terms of your available options. This way, you won’t have to worry about any surprises or hidden fees during repayment.
If you’re approved, we’ll contact you within 24 hours. After closing, funds for most business financing products should appear in your bank account within 24 hours to one week.
Your business loan isn’t just a way to get financing for your business. It’s also an excellent opportunity to start building (or improving) your credit.
Regardless of the type of business loan you get, make all your required payments on time and in full. If you get a business credit line or another form of revolving credit, keep your balance below the credit limit.
Consistently making your business financing payments on time and in full will positively impact your credit. And that means preferred rates and terms when you next need business financing.
If your application is declined, it’s possible that you applied for the wrong product to meet your cash flow needs. We would likely recommend a different product with a less hazardous repayment structure in this case.
Your application might also be declined if it is determined that you cannot afford to take on more debt at this time.
If your credit score is holding you back from accessing financing, consider working with a reputable credit repair service to raise your scores.
Loans for real estate agents can be used for a variety of business-related expenses. Real estate agents often use small business loans to cover operational costs related to their business.
Low-interest business loans can help real estate companies with refinancing existing debt. Real estate agents can utilize loans to cover marketing and advertising expenses.
Certain loans offer funding for renovating existing buildings or upgrading existing facilities. Real estate agents can utilize loans to fund technology upgrades, thereby enhancing business performance. Unsecured business loans do not require valuable assets as collateral, shifting the risk to the lender.
Lines of credit are helpful for general capital needs, but other loan products may be better for larger purchases. Commercial realtors can help small businesses secure financing to purchase real estate.
While traditional lenders, such as banks and credit unions, may require strong credit and financials, alternative lenders and marketplaces, like United Capital Source, offer more flexible options tailored to real estate businesses.
Online loan marketplaces can help real estate agents find various lending options quickly and efficiently. The application process for loans often connects business owners with multiple lenders. The minimum requirements for a business loan typically start with 1 year of business history.
Real estate agents can improve their odds of loan approval by maintaining good credit scores. The documentation required for a loan application can include a wide range of financial records.
Some real estate companies that qualify as small businesses may be eligible for Small Business Administration (SBA) loans. It’s essential to note that SBA loans are intended for business purposes only and cannot be used to finance rental real estate or investment properties. Your company must have an average net income of less than $6.5 million.
The federal government insures SBA loans. SBA 7(a) loans can be used for working capital, equipment, and owner-occupied commercial real estate. SBA 7(a) loans for working capital and equipment have terms of up to 10 years. SBA 7(a) loans for commercial real estate have terms of up to 25 years. SBA 504 loans offer loans in amounts of up to $5 million.
The SBA 504 loan is designed for the purchase and construction of owner-occupied commercial real estate. SBA 504 loans can be used to modernize facilities and improve energy efficiency. The SBA 504 loan program offers lower down payments and lower interest rates compared to other types of financing.
SBA 504 loans require working with a certified development company. You can use the SBA lender match tool or other resources to find certified development companies in your area.
SBA 504 loans typically take between 60 and 90 days to approve, but may take longer. SBA 7(a) loans can take longer to process compared to other loans, often requiring at least two weeks to receive funds. SBA 504 loans cannot be used as working capital.
SBA funding is primarily available only to existing businesses. However, some SBA programs, such as SBA microloans, might provide startup businesses with capital.
SBA Express Loans provide a streamlined process. You can check with your SBA-preferred lender or business loan broker to see if your business qualifies for other SBA loan options.
Yes, real estate businesses with low credit scores may still qualify for financing through alternative lenders. While traditional banks may not approve business loans for borrowers with poor credit, many online lenders offer business loan products based on cash flow, time in business, and revenue, rather than just credit history. These loans often have higher interest rates, but they can help real estate agents maintain operations and build credit for future financing.
Fraud Disclosure:
Please be aware that individuals have been fraudulently misrepresenting to business owners (and others) that United Capital Source, Inc. (“UCS”) can assist small businesses in receiving government grants and other forgivable business loans, when in fact those grants or loans do not exist or are not available. These individuals have ulterior motives and are engaging in the unauthorized use of the names, trademarks, domain names, and logos of UCS in an attempt to commit fraud upon unsuspecting small business owners.
UCS will never communicate with a prospective client on Facebook, Facebook Messenger, or any other type of social media. Further, any email communications will always come from an official UCS email address and not a Gmail, Yahoo, or other email domain. If you believe you have been contacted by someone posing as an employee of UCS, please email [email protected].
