Orchardshore Advances matches funding requests from Cleburne, Texas real estate agents and teams with funding partners. This page covers what partners ask of an agent's business, funding marketing and leads, commission advances, opening a team office and managing income paid on closing dates.
At a glance
- Offices of real estate agents, Johnson County, TX
68 employer establishments (NAICS 5312, CBP 2023)
- Share with fewer than five employees
98.5%, 67 of 68 (CBP 2023)
- Real estate agent offices without paid employees
571 (Nonemployer Statistics 2024)
Real Estate Agent Business Loan Requirements: Commission Statements and Bank Deposits
An agent's income arrives in lumps at closing, so partners read it over a longer window than a store's. Expect to show two years of tax returns, the year-to-date commission statement from the sponsoring office, bank statements showing commission deposits, and a list of pending contracts with expected closing dates. A partner wants to see that closings recur, not just that last year was good.
County Business Patterns counted 68 offices of real estate agents with paid employees in Johnson County, TX in 2023 (NAICS 5312), with 120 employees and $6.2 million in payroll; 67 of them had fewer than five employees. Nonemployer Statistics counted 571 such businesses without paid employees in 2024, with $34.6 million in receipts, a separate program that captures many individual agents.
Real Estate Agent Financing for Marketing and Lead Costs
Marketing is paid up front and pays back months later at closing: listing photography, signs, mailers, online lead subscriptions and client events. A line of credit drawn for those costs and repaid at each closing keeps them from draining the operating account. Partners look for a link between spending and results, so a simple record of what each campaign cost and which closings it produced strengthens a request.
Commission Loans for Realtors: The Discount Behind the Advance
A commission advance pays an agent part of an expected commission on a pending sale before closing, in exchange for a fee taken from the commission when the deal closes. It is a purchase of that future commission at a discount, so the cost depends on how long the deal takes to close. Read the fee schedule, what happens if the sale falls through, and whether the sponsoring office must sign off.
For repeated needs, a line of credit priced on the business's records may cost less in dollars than a series of commission advances; compare both on total cost.
Business Loans for Realtors Opening a Team Office
A team lead opening a storefront office takes on a lease, furniture, signage, computers and possibly an assistant's salary before the team's added production shows up. A term loan for the build-out and equipment financing for furniture and technology split those costs sensibly. Partners look at the team's combined production history and the lease terms.
Small Business Loans for Realtors Paid on Closing Dates
Uneven income is the defining feature of an agent's business. A working capital reserve, funded in strong months and drawn in slow ones, does the same job as a loan without the cost; a line of credit is the backup when the reserve runs short. A partner sees a healthier file when the agent's business account shows a reserve and regular draws rather than personal and business money mixed together.
Lessors and Property Managers in the Same County Counts
Johnson County, TX also had 65 lessors of real estate with paid employees in 2023 (NAICS 5311, CBP), businesses that lease out buildings, homes or land they own. Their funding questions differ: property purchases are real estate loans, which Orchardshore does not arrange, while equipment, vehicles and working capital for a management business fit the six funding types here.
A Marketing Budget Spread Over Two Years, With Invented Figures
Illustration only, invented figures: a two-agent team budgets $24,000 for a year of signs, photography, mailers and lead subscriptions. Financed over 24 months at an annual rate of 13%, the payment comes to about $1,141 a month (our arithmetic). If the team closes one extra sale a quarter from that marketing, the commissions from those closings are what the payment is weighed against.
Technology, Vehicles and Transaction Coordination Costs
Agents also spend on a car that shows homes, a laptop and tablet, e-signature and transaction management subscriptions, and sometimes a transaction coordinator paid per file. A vehicle can be financed against itself; subscriptions are operating costs that belong in the working capital picture rather than on a loan of their own.
Listing those costs month by month next to closings shows a partner how much the business spends to produce each sale.
Records a Real Estate Request Brings
- Two years of tax returns, personal and business if separate.
- Year-to-date commission statement from the sponsoring office.
- Bank statements showing commission deposits.
- Pending contracts with expected closing dates.
- Any existing loans, leases or commission advances.
By Orchardshore Advances · Updated