Commission income is irregular. Business expenses are not. MFE provides working capital, lines of credit, and flexible financing so real estate agents can keep marketing, pay staff, and cover overhead — without waiting for the next closing.
Apply in 10 Minutes Call (305) 384-8391Real estate is one of the most capital-intensive self-employed professions in the United States. Agents routinely spend thousands of dollars per month before a single commission check clears. According to the National Association of Realtors, the average agent spends between $1,000 and $5,000 per month on marketing alone — and that figure doesn't include board dues, MLS fees, errors and omissions insurance, CRM subscriptions, vehicle costs, or signage.
The mismatch between recurring operating costs and irregular commission income is the central financial challenge for most agents. A home under contract today may not close for 45 to 90 days. If you listed three properties in January and none closed until March, your February overhead still came due. That gap is exactly where working capital financing becomes essential.
Merchant Fund Express provides business loans specifically designed for service-based businesses with irregular revenue — which is precisely what a real estate agency is. Our underwriting is based primarily on your business bank statements and revenue history, not on whether you had a strong last quarter.
Understanding common operating expenses helps you size the right funding solution:
Merchant Fund Express offers several financing structures. The right choice depends on how you want to use the funds and how your income flows.
A lump-sum deposit for immediate needs — paying a quarterly marketing bill, covering slow-season overhead, or launching a new service area. Fixed repayment schedule makes budgeting predictable.
The most flexible option for agents. Draw what you need, repay as commissions arrive, draw again. Ideal for ongoing marketing spend and variable monthly expenses. You only pay interest on what you use.
An advance against future receivables, repaid as a percentage of daily deposits. Works well for agents with high bank deposit volume whose credit profile may not support traditional loans.
Finance a vehicle, office equipment, or technology hardware. The asset itself secures the loan, which typically allows for more favorable terms. Terms up to 60 months.
Fixed daily or weekly ACH payments tied to a percentage of revenue. Not a credit card split — a structured repayment based on gross receipts. Useful during seasonal ramp-up periods.
If your brokerage or team invoices corporate clients or property management companies, factoring allows you to convert unpaid invoices into immediate cash rather than waiting 30-90 days.
Real estate markets move in cycles. A buyer's market with rising inventory can stretch transaction timelines by weeks. A seasonal slowdown in winter markets can cut an agent's deal flow nearly in half. These cycles are predictable — but the expenses tied to staying competitive are not optional. Agents who cut marketing during slow periods often find themselves without listings when the market rebounds.
A Business Line of Credit allows you to maintain your marketing spend and lead generation pipeline during slow periods without draining personal savings. When commissions pick back up, you repay the drawn balance and the credit line resets. This revolving structure matches the natural cash flow rhythm of real estate better than a fixed-payment loan.
Working Capital Loans work better for agents facing a specific near-term cost — a major CRM migration, hiring a new buyer's agent, or expanding into a new territory with signage and marketing collateral. These situations are well-defined enough that a term loan with predictable payments is the cleaner option.
Our underwriting focuses on your business, not just your personal credit score. General requirements for most programs:
Sole proprietors, S-Corps, LLCs, and C-Corps are all eligible. Agents with less-than-perfect credit may still qualify through MCA or Revenue Based Financing programs that weight cash flow more heavily than credit score.
The application process is straightforward and takes approximately 10 minutes to complete online:
There is no obligation to accept any offer. You may also call us directly at (305) 384-8391 to speak with a funding specialist before applying.
No. Merchant Fund Express does not offer mortgages, bridge loans, or hard money lending. Our funding covers business operating costs — marketing, licensing, CRM software, staff, and working capital to bridge slow commission months. Property acquisitions require a different lender.
Real estate agents can access Working Capital Loans, Business Lines of Credit, Merchant Cash Advances, Equipment Financing (for vehicles or office equipment), and Revenue Based Financing through Merchant Fund Express.
Funding amounts generally range from $5,000 to $500,000 depending on your business revenue, time in business, and credit profile. Most agents qualify based on commission history and bank statements rather than traditional credit alone.
Many applicants receive a decision within 24-48 hours. Funding can often be deposited within 1-3 business days after approval. The application takes about 10 minutes to complete.
Yes. Sole proprietors operating as real estate agents can qualify. You will need to show business bank statements (typically 3-6 months), proof of licensing, and demonstrate consistent business revenue.
Yes. A Business Line of Credit is ideal for marketing expenses because you draw only what you need and repay as commissions come in. Use it for Zillow advertising, direct mail campaigns, professional photography, and social media ads.
Most programs require at least $10,000 per month in gross business revenue (commissions deposited into a business bank account) and a minimum of 6 months in business. Requirements vary by product.
Some programs, including Merchant Cash Advances and Revenue Based Financing, place less weight on personal credit scores and more on business cash flow. Agents with scores below 600 may still qualify depending on revenue strength.
Call our team. We'll match you with the right structure for your income pattern and how you plan to use the funds.
Call NowApply 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 |