Industry Guide
MCA Funders for Real Estate Businesses
Why Real Estate Businesses Take Out MCAs
Marketing and listing promotion
Professional photography, staging, digital ads, mailers, and signage all cost money upfront. Agents spend thousands marketing listings before earning commission on the sale.
Bridging between closings
Real estate commissions come in lump sums at closing. Between deals, agents still have office fees, MLS dues, insurance, and car expenses to cover.
Team expansion
Top-producing agents often build teams. Hiring buyers' agents, transaction coordinators, and admin staff requires payroll commitment before the team generates enough closings.
Office or brokerage costs
Opening or upgrading an office, paying franchise fees, or investing in technology platforms like CRMs and lead gen tools requires capital upfront.
Property investment and flipping
Real estate investors need capital for down payments, rehab costs, and holding expenses on properties. MCA can bridge the gap between purchase and sale or refinance.
Licensing, education, and dues
Broker licenses, CE courses, association dues, MLS fees, and E&O insurance all come due on fixed schedules — often adding up to thousands per year.
Real estate is a restricted industry for some MCA funders because of the commission-based income structure. Revenue is lumpy — a real estate agent or brokerage might close three deals in one month and zero the next. Funders who work with real estate look for agents and brokerages with enough transaction history to show a reliable income pattern over 6-12 months.
The best real estate MCA deals come from established brokerages with multiple agents generating consistent closings, property management companies with recurring rental income, or real estate investors with regular flip or rental revenue. Solo agents with irregular closings are harder to place but not impossible if they show strong annual volume.
Deal sizes range from $15K for individual agents to $200K+ for brokerages and property management firms. Funders will look at bank statements closely for commission deposits and want to see enough history to confirm the income isn't a one-time spike. Property management companies with monthly rent deposits are the easiest real estate deals to fund.
59 Funders Accept Real Estate
Full Search →Verified funders are prioritized at the top of results. Scroll down to see all matching funders.
The liquidity network
VerifiedMin Revenue: $0/mo
Max Positions: 6
Defaults: ✓ Accepted
Highland Hill Capital
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Black Rok
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
G6 Advance
VerifiedMin Revenue: $30,000/mo
Max Positions: 99
Defaults: ✓ Accepted
GMFunding
VerifiedMin Revenue: $25,000/mo
Max Positions: 5
Defaults: ✕ No
Barclays Advance
VerifiedMin Revenue: $40,000/mo
Max Positions: 99
Defaults: ✓ Accepted
Frequently Asked Questions
Can a real estate business get an MCA with lumpy commission income?
Yes, from funders who accept the category. They look for 6-12 months of transaction history showing a reliable income pattern rather than even monthly deposits.
How much funding is available for a real estate business?
Deals range from $15,000 for individual agents to $200,000 or more for brokerages and property management firms.
Which real estate businesses are easiest to fund?
Property management companies with monthly rent deposits, followed by established brokerages with multiple closing agents. Solo agents with irregular closings are harder but not impossible with strong annual volume.
What will funders check on the bank statements?
Commission deposits and enough history to confirm the income isn't a one-time spike. Consistent closings across several months matter more than a single big month.
Which funders work with real estate?
Some restrict it over commission-based income. Filter by industry on MCA Directory to find funders that accept real estate and connect with ISO reps.
Need a more specific match?
Use the full search matrix to filter by revenue, credit score, positions, and more.
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