Invoice Factoring for Title Company
Manu helps title company owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How title company businesses use this financing
Common uses of funds:
- Title search software, document management, and closing platforms
- E&O and fidelity coverage plus title-plant access fees
- Escrow trust accounting systems and remote online notarization tools
- Working capital for payroll between high-volume closing cycles
Typical loan size: Most title companies borrow $25K–$250K for technology and staffing, while agency acquisitions or new branch openings can reach $500K–$1.5M.
Seasonality: Closing volume tracks the housing market, peaking in spring and summer and falling sharply in winter and whenever mortgage rates spike, making revenue interest-rate sensitive.
Most common reason for decline: Lenders decline title shops with thin operating history, commingled escrow concerns, or revenue that has collapsed alongside a refinance slowdown.
Best-fit products for title company: Lines of Credit, Working Capital Loans, SBA Loans.
Capital use cases for title company businesses
- Closing platform upgrade: A title company borrows $40K–$120K via equipment financing for new title-search, escrow accounting, and remote online notarization software, repaid over 3–5 years as faster closings raise capacity.
- Refi-slowdown working capital: A $50K–$200K line of credit covers payroll and title-plant fees through a winter or rate-driven closing slump, drawn and repaid as spring purchase volume rebounds.
- Agency acquisition: An owner uses a $500K–$1.5M SBA loan to acquire a competing title agency, repaying over 10 years as the combined book of closings backs the debt.
Funding options for title company businesses
Why Title Company owners choose Manu
How title company business loans work with Manu
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Frequently asked questions
How is invoice factoring different from accounts receivable financing?
Invoice factoring means selling your unpaid invoices to a factor at a small discount — the factor pays you up to 95% upfront and then collects from your customers directly, so no debt is added to your balance sheet. Accounts receivable financing means borrowing against those same invoices while keeping ownership: you continue collecting from customers yourself and the financing shows up on your books as debt. Factoring usually costs more but gets you out of collections; A/R financing is typically cheaper and keeps customer relationships private.
What kind of business loans can Title Company owners qualify for?
Through Manu's partner application, title company owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Title Company business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying title company businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Title Company financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Title Company businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: