Property managers face a constant cash flow challenge: expenses — emergency repairs, contractor invoices, payroll — arrive immediately, while management fees and reimbursements arrive on a delay. MFE bridges that gap with working capital, lines of credit, and flexible business financing.
Apply in 10 Minutes Call (305) 384-8391Property management is a service business built on deferred revenue. Your company fronts costs — emergency plumber visits at midnight, HVAC replacements in July, landscaping invoices, insurance premiums — and then recovers those costs from owners on a monthly billing cycle that may lag the actual expense by 15 to 45 days. When you manage 50, 100, or 500 units, that lag adds up to real money sitting in accounts receivable while contractors expect payment today.
The management fee structure compounds the problem. If you charge 8-10% of collected rent, your revenue is capped by your unit count and average rent. Growing the business means taking on new clients, onboarding new properties, and deploying new staff — all before the additional management income arrives. Traditional bank lending is poorly suited to this pattern because property management companies rarely have the hard assets that banks prefer as collateral.
Merchant Fund Express evaluates your business differently. We look at revenue history, bank deposit patterns, and your ability to service debt — not real estate collateral. That makes our products genuinely accessible to property management companies of all sizes.
A property manager with 80 units gets a call Saturday afternoon — a central HVAC unit at a 12-unit building has failed. Replacing it costs $7,500. The landlord has funds coming from another closing in 10 days. Your maintenance coordinator needs to be paid Monday. A Business Line of Credit lets you advance the repair cost immediately, keep your contractor relationship intact, and repay the drawn amount when the owner funds arrive.
You signed a contract to manage a new 30-unit portfolio starting next month. You need to hire one additional property manager, upgrade your software tier, and conduct inspections on all 30 units before the first management fee arrives. A Working Capital Loan covers the 60-day ramp-up period before the additional revenue is sufficient to support the new overhead.
Your company manages several commercial properties where owners pay on net-30 terms. You have $40,000 in outstanding invoices but payroll is due Friday. Invoice Factoring converts those receivables to cash within 24-48 hours. You meet payroll, the factoring company collects from your clients, and the cycle continues without a cash crunch.
Lump-sum deposit for defined expenses — a major system replacement, a seasonal hire wave, or a technology upgrade. Fixed repayment term makes budget forecasting straightforward.
The best fit for emergency repair coverage. Draw on demand, repay when owner reimbursements clear, draw again. Only pay interest on the outstanding balance. Revolves continuously.
Sell unpaid management fee invoices for immediate cash. Ideal for companies managing commercial properties or institutional portfolios with extended payment terms.
Fixed daily or weekly ACH payments tied to revenue. Repayment is structured, predictable, and manageable relative to your management fee income. Good for growth capital with a defined payback schedule.
Finance company vehicles, maintenance equipment, and technology hardware. The asset secures the loan; terms up to 60 months keep monthly payments manageable.
A fast advance against future revenue, repaid as a percentage of daily deposits. Useful when speed matters and traditional qualification criteria are a challenge.
Requirements vary by product, but general criteria include:
Call (305) 384-8391 if you prefer to speak with a funding specialist before applying.
No. Merchant Fund Express does not offer mortgages, bridge loans, or property acquisition financing. We fund the operating expenses of your property management business — maintenance reserves, payroll, software, emergency repairs, and working capital.
Property management companies can qualify for Working Capital Loans, Business Lines of Credit, Merchant Cash Advances, Revenue Based Financing, Equipment Financing, and Invoice Factoring through Merchant Fund Express.
Yes. Emergency repairs are one of the most common use cases. A Business Line of Credit is particularly effective because you can draw on it immediately when an emergency arises, pay the contractor, and repay the drawn balance as management fees come in.
If your company invoices commercial property owners or institutional clients on net-30 or net-60 terms, you can factor those invoices to receive most of the value immediately rather than waiting. The factoring company collects from your client and remits the remainder (minus a small fee) once paid.
Most programs require at least $10,000/month in gross business revenue — management fees, maintenance markups, and ancillary income — deposited into a business bank account. Minimum 6 months in business is typically required.
Decisions are typically made within 24-48 hours of receiving a complete application. Funds are usually deposited within 1-3 business days after approval.
Yes. Hiring, onboarding, and training costs are standard operating expenses. A Working Capital Loan can cover the upfront costs of expanding your team before additional management revenue comes online.
Some programs, including Merchant Cash Advances and Revenue Based Financing, evaluate your business cash flow more heavily than personal credit scores. Companies with consistent management fee revenue may qualify even with credit scores below 650.
A revolving business line of credit is the most flexible way to handle emergency repairs. Draw when needed, repay when owner funds clear.
Learn MoreApply in 10 minutes. No obligation. Decisions in as little as 24 hours.
Apply Now Call (305) 384-8391| Product Type | Funding Range | Timeline | Key Requirements |
|---|---|---|---|
| Working Capital | K - 0K | 24-48 hours | 6 months in business, K+/month revenue |
| Merchant Cash Advance | K - 0K | 24-72 hours | 3 months in business, K+/month revenue |
| Line of Credit | K - 0K | 48-72 hours | 1 year in business, K+/month revenue |
| Equipment Financing | K - 0K | 3-5 days | 6 months in business, equipment purchase |
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.