Real Estate Business Capital vs. Property Financing
This program provides working capital for real estate businesses — the operating company, not the property.
Property managers, GCs, consulting firms, and title companies all have ongoing payroll and overhead. Their revenue timing rarely lines up with those obligations.
This is not a hard money loan or a construction draw facility. It is an operating line for a functioning real estate business.
Underwriting looks at business cash flow. Not collateral value, not loan-to-value ratios.
Who This Program Serves in Salt Lake City
Salt Lake City's real estate sector has grown steadily for a decade. The Granary District, downtown high-rises, and Sugar House renovations all drive demand for RE services.
Property managers, GCs, RE attorneys, and title companies serve this activity. All of them carry cash timing mismatches.
A property management company collects rents on the first but pays vendors all month. That gap is predictable — and a revolving line eliminates it.
The line draws during the payment window. It repays when rents clear, cycling monthly without a new application.
Apply for an SLC Real Estate Operating Line
Decisions returned within 24 hours. No application fee, no obligation.
Check Eligibility →Program Details — SLC Real Estate
| Parameter | Detail |
|---|---|
| Credit Range | $100,000 – $3,000,000 |
| Structure | Revolving operating line — draw, repay, reset |
| Eligible Uses | Payroll, vendor payments, overhead, rehab materials |
| Revenue Minimum | $40,000/month operating revenue (management fees, commissions, or consulting) |
| Time in Business | 24+ months preferred; 12 months minimum |
| FICO Minimum | 600+ (owner) |
| Decision Timeline | 24–72 hours |
Qualification Benchmarks
- Operating real estate business with consistent revenue (not a holding entity)
- $40,000+ in average monthly operating revenue
- 24+ months in business preferred; 12 months minimum
- Business bank account with 6 months of statements
- Owner FICO 600+
- No open bankruptcies
Related Programs
The SLC business credit hub covers all five service subcategories. For real estate businesses operating in Ogden, see the Ogden real estate development lines program. The Farmington Capital Hub connects the full Wasatch Front network for multi-market real estate operations.
Start Your SLC Real Estate Line Application
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