The Pinch Points
Why Real Estate Firms Come to Us for Capital
A real estate practice rides a cycle it doesn’t control — deal flow doubles in a boom and halves when rates twitch, while payroll and the title operation cost the same either way. Our lenders read the firm’s revenue across the cycle, not a single slow quarter. Sound familiar?
The Deal-Flow Cycle
Transaction volume swings with the market — a rate move can halve your pipeline while payroll and the title operation cost the same, a $40K–$90K monthly burn that doesn’t flex with conditions.
The Commercial-AR Gap
Commercial transaction work bills on terms; a busy quarter can leave $50K–$150K in net-30/60 receivables outstanding while the work’s already done.
The Title and Escrow Operation
Running title and escrow in-house means staff, software, and compliance overhead carried whether ten deals settle this month or two.
The Counter-Cyclical Hire
The strategic cost is timing: the moment to add capacity is before the market turns up, but that’s exactly when cash is tightest from the slow stretch you’re coming out of.
The Volume-Spike Staffing
The reactive cost is the premium: when the market runs hot you need processors and paralegals immediately — $8K–$15K a month per hire at a moment everyone’s hiring — fronted before the transaction fees land.
Buying In or Acquiring a Practice
A partner buy-in or acquiring another real estate practice is a $200K–$1M move that won’t wait on a slow approval queue.
What an operator said
“When rates jumped our pipeline dried up for two quarters, but we didn’t want to lose the team we’d need when it came back. The working line carried us through — and we were fully staffed the day the market turned.”
D. Whitman · real estate law firm · Phoenix, AZ
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Real Estate Firms
Working Capital Through the Cycle
An unsecured, revenue-based working line carries payroll and the title operation through slow-market stretches so a soft quarter doesn’t force cuts before the rebound.
A Line Against Commercial Receivables
A working line advances against net-30/60 transaction AR, turning billed work into cash now.
Capital for the Counter-Cyclical Hire
Financing the processors and paralegals before the market turns up lets you staff for the upswing instead of chasing it.
Revenue-Based Growth & Acquisition Capital
Add capacity or acquire a practice on revenue-based, capital-stacked financing — not an SBA queue.
Match Your Situation
The Funding Gaps We Bridge for Real Estate Firms
Match your situation to the structure. Every one of these funds on the firm’s revenue across the cycle, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Banks see a cyclical practice and tighten | Revenue underwriting across the cycle | Working Capital | $75K–$5M+ | 1–3 days |
| Commercial AR lands net-30/60 | A line advances against the receivables | Business LOC | $75K–$5M+ | 1–5 days |
| Fixed title/escrow overhead, variable deal flow | Working capital carries the slow stretches | Working Capital | $75K–$5M+ | 1–3 days |
The Products
How Real Estate Firm Financing Is Structured
Most law-firm files fund between $75K and $5M+, structured to the market cycle, the commercial-AR gap, or the office and title-tech build. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Business LOC | $75K–$5M+ | Revolving | Commercial-AR gap, the cycle | 1–5 days | Unsecured line, no PG by default |
| Working Capital | $75K–$5M+ | 6mo–10yr | Payroll through slow stretches | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-30/60 transaction AR | 1–2 days | Receivables secure the line |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Title software, office build-out | 3–7 days | Equipment serves as collateral |
Tax Strategy
Section 179 on Office & Case-Tech — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“A real estate practice is only as steady as the market it rides — and the market is never steady. Volume doubles in a boom and halves when rates twitch, but the staff, the title operation, and the lease don’t flex with it, so the firms that survive the cycles are the ones with capital to carry the slow stretch and to staff up the moment it turns. We fund that — the cycle, the commercial-AR gap, the counter-cyclical hire — on an unsecured, revenue-based line. The firms that come out of every downturn bigger are the ones with capital to keep the team through the slow stretch and staff up the day the market turns — so the cycle sets your growth, not your cash position.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a real estate file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Real Estate Law Firm Financing
A Practice Only as Steady as the Market
A real estate practice is only as steady as the market it rides, and the market is never steady — volume doubles in a boom and halves when rates move, but the staff, the title operation, and the lease don’t flex with it. The firms that survive the cycles are the ones with capital to carry the slow stretch and to staff up the moment it turns. We fund that — the cycle, the commercial-AR gap, and the counter-cyclical hire — on an unsecured, revenue-based line, so transaction volume sets your growth instead of your cash position.
One Application, 70+ Lenders
Whether it’s a working line through the slow stretch, a line against net-30/60 transaction AR, or equipment financing for title software and office build-out, we connect you with 70+ lenders who fund law firms every week. Working capital, lines of credit, receivables advances, and equipment financing — $75K to $5M+, on the firm’s revenue, with §179 writing off qualifying equipment the year it’s placed in service. One application, soft-pull review to start.
Common Questions
Real Estate Financing — Questions, Answered
Yes — an unsecured, revenue-based working line carries payroll and the title operation through the down stretches so you don’t cut before the rebound.
Yes — a working line advances against net-30/60 AR.
A line of credit is unsecured and revenue-based by default; receivables financing can be secured against the commercial AR for better terms, but it’s optional.
A signed application plus four months of bank statements, a P&L, a balance sheet, and two years of returns. If recent years show losses, the specialist desk can underwrite on four months of bank statements.
Yes — revenue-based and capital-stacked on firm revenue, not an SBA 7(a) loan.
Recommended Funding
The Products That Fit Real Estate Work
Business Line of Credit →
A revolving line carries the cycle and draws against commercial AR.
Working Capital Loans →
Carry payroll and the title operation through slow-market stretches.
Invoice Factoring →
Advance against net-30/60 transaction receivables instead of waiting.
Equipment Financing →
Finance title software and office build-out — §179 included.
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