Management fees arrive monthly, commissions arrive when a deal closes, and payroll arrives every two weeks. Funding from $25,000 to $5,000,000 helps cover the gap.
Apply Now →A property management company and a brokerage can sit under one roof and still run on completely different clocks. Management fees follow the rent roll: they are steady, small per door, and tied to whether tenants pay on time. Sales and leasing commissions follow closings: they are large, they land in clumps, and any one of them can slip a week or a month because of an appraisal, a lender or a seller who changes their mind.
The office does not get to choose which clock the bills follow. Agent and staff payroll, the lease on the office itself, software subscriptions and insurance all run on the calendar. That mismatch is the core cash-flow problem for this industry, and it is why a short-term working-capital advance is more common here than people outside the business expect.
| Expense | When it is paid | When the related income arrives |
|---|---|---|
| Listing photography, signs and online ads | Before the listing goes live | At closing, often months later |
| Leasing staff and assistants | Every pay period | When the lease is signed and the first month collected |
| Property management software and trust accounting | Monthly or annually | With each month's fee draw |
| Open house costs, mailers, lead subscriptions | Up front | Only if a lead turns into a client |
Marketing is the line that most often gets cut when cash is tight, and cutting it is exactly what thins the pipeline two months later. Owners who have lived through that cycle tend to look for a way to keep the spend steady while the receipts catch up.
For illustration only, not our terms or a typical outcome. Suppose a small office with six people spends $18,000 over a quarter on listing marketing and lead subscriptions, and carries a $40,000 monthly payroll. Three expected closings all push back by three weeks because of financing delays. The office is not losing money; it is simply short for a month. If the owner covers that month from a $50,000 advance, payroll goes out on time and the marketing keeps running. When the closings finally fund, the owner repays out of the revenue that was already earned.
The point of the example is the shape, not the numbers: the work is done, the money is coming, and the gap is a timing problem rather than a demand problem.
It is working capital for operating costs. Texas Biz Funding works with business funding from $25,000 up to $5,000,000, and the application takes about five minutes with a soft credit pull. Funding can arrive in as little as 24 hours once approved. Sole proprietors can apply, which matters for independent brokers and one-person management shops.
It is not a replacement for a trust account. Security deposits and owner funds held in trust belong to other people and should never be used to cover office payroll. If you manage rental property, keep that line bright and use business funds for business costs only.
Yes. Monthly management fees are a steady revenue stream, and the application looks at the business as a whole. Brokerages, leasing offices and combined firms all apply the same way.
No. Trust account money belongs to owners and tenants. Working capital is for the office's own costs such as payroll, marketing and software.
Yes, sole proprietors can apply. Solo brokers often have the least cushion between closings, so timing gaps hit them quickly.
It can be, when the spend is tied to listings or leads you can already see. Many owners prefer to keep marketing steady through a slow stretch rather than pause it and rebuild later.
The application takes about five minutes with a soft credit pull, and funding can arrive in as little as 24 hours after approval.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
