Collateral & Asset Loans
Borrow against what you already own — real estate, equipment or vehicles — when the asset is the strength of the file. The term follows how long you intend to hold it.
See Collateral & Asset LoansWhat's your case?
Which funding fits your business right now?
What it means for your cashIncome arrives at the closing table; the operating cost arrives on the first.
Business Line of Credit
Draw against the gap and repay it when the commissions fund, then keep the facility for the next dry spell.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe asset is already yours, and the cash tied up in it is doing nothing.
Collateral & Asset Loans
An asset you already own can carry the loan, and the term is set against how long you intend to hold it.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashThe spend lands now; the agents and listings that pay it back take a year to build.
Business Term Loan
One fixed monthly payment, sized to what the new office should produce.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe price is due at closing, and the fees from that book arrive monthly afterwards.
Business Term Loan
An amortising term turns a lump-sum acquisition into a payment the acquired revenue covers.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashRepairs and vendor bills come due before the owner reimburses you.
Invoice Factoring Tool
The approved invoice becomes cash now, so the float is not yours to carry.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashYour biggest cost is fixed and the revenue that covered it just moved to next quarter.
Merchant Cash Advance
It funds fastest and repays out of deposits rather than a fixed monthly bill, but it costs more than a line of credit, so treat it as a bridge.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashStacked payments turn a closing month into an ordinary one.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a real estate business
Business Line of Credit
For the gap between closings: rent, marketing, agent support and carrying costs while commissions are in flight. Draw and repay as the deals land.
See Business Line of CreditBusiness Term Loan
For one defined move with a known price — a second office, a book of management contracts, a new practice area. Fixed payment, fixed end date.
See Business Term LoanFrom the blog
FAQ
Real estate funding questions
Carrying costs, commission gaps, marketing, agent support, property management float, a build-out or a book of contracts. What these products do not do is buy a property.
The products run from $10,000 to $5,000,000 depending on which one you use: a line of credit up to $500,000, an asset loan to $1,000,000, and a term loan to $5,000,000. The final number depends on deposits, time in business and, for a term loan, credit.
No. A line of credit is for operating costs and short gaps. If the property itself is the collateral, ask about Collateral & Asset Loans, which can be secured by real estate as well as equipment.
A line of credit, when the gap is timing and the deposits behind it are real: it is reusable and cheaper than an advance. An advance suits the gap you did not see coming, because it funds fastest and you pay for that speed.
Yes, if the deposits show consistent revenue. A line of credit asks for 6+ months in business and $10K+ monthly revenue, which a steady closing schedule usually meets even when individual months vary.
Many products fund within 24-48 hours of approval. Secured lending takes longer because the asset and its documentation are part of the review, so start before the gap, not during it.
Falcon charges a 0% agreement fee. Amounts, terms and costs are disclosed in your agreement before you sign. No specific rate is published here, because it depends on your file and, for secured loans, on the asset.
Six months of business bank statements, a photo ID, a voided check and a list of any current advances or loans. Secured lending also needs the documentation for the asset — for property, the ownership and valuation paperwork.