Funding for Real Estate
Deals move on timelines that don't wait for financing. Lúmen funds investors and operators for carrying costs, renovations, and the gaps between deals and draws.
What real estate businesses are up against
Carrying costs
Taxes, insurance, and debt service accrue every month a property sits between acquisition and stabilization.
Renovation capital
Value-add projects need funding upfront, well before a refinance or sale realizes the gain.
Closing gaps
Timing mismatches between a sale closing and the next purchase can strand otherwise solid deals.
Lumpy income
Commissions, sales, and rent rolls arrive unevenly, making fixed obligations harder to plan around.
Funding solutions for Real Estate
These products fit how real estate businesses actually operate. Explore each in detail.
How we help real estate
Common use cases
- Acquire or refinance owner-occupied property
- Fund renovations and value-add improvements
- Cover carrying costs between deals
- Bridge a closing-timing gap
“An SBA loan let us buy our own building instead of renting. The 25-year term made the monthly payment lower than our old lease.”
Do you qualify? Most real estate businesses with 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score can qualify. Checking your offers takes about five minutes and won't affect your credit score.
Fund your real estate business
Tell us your goal and a funding advisor will match you to the right product — usually within minutes. Apply with no impact to your credit score.