Financing for property management companies
Managing properties takes staff, systems and responsiveness before the month\u2019s fees arrive. We help you explore capital for that operation, or financing to buy your office.
GROW™ — capital for your next stage
GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.
What owners typically invest in
- Hiring management staff
- Management and collections software
- Maintenance vehicles and equipment
- Working capital between billing cycles
- Client office improvements
OWN™ — buy the building where you operate
You build equity for other people; your own office can do the same for your company. Owning the property steadies a fixed cost and lets you grow the team without renegotiating rent every few years.
What lenders typically review
Lenders usually review how long the business has operated, its cash flow, the owners’ credit and properties under management and monthly fees. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.
Frequently asked questions
Can I finance maintenance equipment?
Yes, equipment and vehicles are contemplated GROW\u2122 uses, subject to lender approval.
Can I buy my company\u2019s office?
In many cases, yes, if your company occupies most of the property, with amounts up to $5 million or more under OWN\u2122.
Can investment property purchases be financed?
OWN\u2122 focuses on the property where your business operates, not on real-estate investment. We review it with you.
Which reference guidelines apply?
Three or more years in operation, personal FICO of 650 or above, SBSS of at least 165, current debts and a minimum 1.25x DSCR.
Related uses of capital
Every rent payment builds your landlord's equity. With owner-occupied SBA financing, you can buy the building you rent today and turn that monthly payment into an asset you own.
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When debt payments squeeze your cash flow, growth gets hard. Restructuring that debt over a longer term can lower your monthly payment and give you room to operate.
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The right equipment lets you serve more customers, work faster and offer new services. With working capital you can invest in it without draining your operating account.
Learn moreIndustries
- Accounting & tax
- Agriculture
- Auto dealerships
- Automotive care
- Broadband
- Dental practices
- Educational services
- Fitness centers
- Franchise restaurants
- Franchises
- Funeral homes & crematories
- Government contracting
- Hardware stores
- Healthcare
- Home care
- HVAC & plumbing contractors
- Insurance agencies
- Investment advisory
- Law firms
- Managed service providers
- Pet care facilities
- Pharmacies
- Professional services firms
- Restoration, remediation & cleaning
- RV parks
- Self-storage
- Veterinary clinics
- Other established small businesses
Find out what your business may qualify for
Answer a few questions and an advisor will review your case, with no obligation.
All financing is subject to approval, financial analysis and lender terms.