SBA Loans for Real Estate
Manu helps real estate 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 real estate businesses use this financing
Common uses of funds:
- Down payments and acquisition financing for investment properties
- Renovation budgets for fix-and-flip projects
- Working capital for closing-cost gaps
- Marketing and lead-gen for brokerage growth
Typical loan size: Real estate investor financing typically ranges from $50K to $2M for individual deals; portfolios reach $10M+.
Seasonality: Transaction volume peaks spring through summer; winter months are slower in most markets.
Most common reason for decline: Real estate investors are often declined for high DTI, thin liquid reserves, or property-condition issues.
Best-fit products for real estate: Bridge Loans, Term Loans, Lines of Credit.
Capital use cases for real estate businesses
- Acquisition & down payment: Bridge or term financing of $50K–$2M funds down payments and acquisition costs on investment properties.
- Fix-and-flip renovation: A $50K–$500K bridge loan funds renovation budgets, repaid when the property sells or refinances.
- Portfolio scaling: Investors finance up to $10M+ in lines and term debt to scale a rental or flip portfolio.
Funding options for real estate businesses
Why Real Estate owners choose Manu
How real estate business loans work with Manu
Ready to fund your Real Estate business?
Get matched with offers in minutes — no hard credit check.
See My OffersReal Estate SBA Loans by state
Other industries we fund
Other funding options for real estate businesses
Frequently asked questions
What kind of business loans can Real Estate owners qualify for?
Through Manu's partner application, real estate 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 Real Estate business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying real estate 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 Real Estate 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 Real Estate 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: