Key Takeaways
- O-1 real estate professionals qualify on brokerage and management revenue
- Note: this page covers business funding, not mortgage or property purchase loans
- SBA barred for O-1 holders since March 2026
- Brokerage expansion, marketing budgets, and team scaling all fundable
- 48-hour decisions, no green card required
O-1 real estate professionals — top-producing agents recognized in national media, developers who have completed landmark projects, and property innovators who redefined a market — operate businesses that generate substantial revenue. The brokerage, the development company, the property management firm — these are operating businesses with cash flow needs. Bankable funds O-1 real estate businesses on the operating revenue of the entity, not property equity or immigration status.
Note: Bankable's funding is for real estate business operations — not mortgage loans or property acquisition financing. If you need capital to fund a brokerage expansion, a marketing campaign, or a team hire, Bankable is the right partner. Check your Bankability Score.
Real Estate Business Types Bankable Funds
Bankable works with the following O-1 real estate business structures:
- Real estate brokerages: Agent team expansion, marketing, office infrastructure
- Property management companies: Portfolio expansion, maintenance reserve financing, software
- Real estate development firms: Pre-development costs, due diligence, consultant fees
- Real estate investment advisories: Deal sourcing infrastructure, investor relations systems
- Commercial leasing companies: Marketing, tenant relations infrastructure, technology
What Real Estate Business Funding Covers
- Agent recruitment and commission advances
- Digital marketing, lead generation platforms, and CRM systems
- Office space deposits and leasehold improvements
- Transaction coordinator and operations staff
- Pre-development costs: surveys, environmental studies, architectural fees
- Bridge capital between development phases
Brokerage Revenue Documentation
For real estate brokerages, we evaluate commission revenue from the trailing 6 months as documented in business bank statements. Seasonal patterns — spring and fall peaks in most markets — are factored into our analysis. A brokerage averaging $100,000/month in commission revenue qualifies for substantial working capital. Property management companies are evaluated on monthly management fee income, which tends to be highly predictable and recurring.
O-1 Real Estate Developers
Development firms present a more complex capital profile — revenue is lumpy, tied to project completions and land sales. Bankable evaluates development firms on both project-based revenue history and recurring management or advisory income. For early-stage development projects, we can fund pre-development costs against documented project pipelines and land control agreements.
Frequently Asked Questions
Yes. Bankable funds O-1 real estate businesses on operating revenue. No green card required.
No. Bankable funds real estate business operations — brokerages, development firms, management companies — not property mortgages.
Minimum $20,000/month in commission or management fee revenue with 6 months of operating history.
Yes. Agent recruitment, onboarding, and commission advances are valid uses.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
48 hours from complete application.
Yes. Pre-development costs against documented project pipelines are fundable.
Up to $5M based on business operating revenue.
Yes. Recurring property management fees are excellent revenue documentation — predictable and verifiable.
No. All funding is debt-based and repaid from revenue. No equity is taken.