REAL ESTATE INVESTORS • LINE OF CREDITReal estate investor financing — move on the next deal with confidence
Loot offers real estate investment businesses an unsecured business line of credit from $5,000 to $100,000. Use it to cover renovation costs, holding costs, or closing-timeline gaps, or give your business the room to move on a new deal without waiting for the current one to close. Established real estate investment businesses with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Real estate investing challenges: renovation costs, holding costs, and deal timing
Real estate investors and rehabbers often carry renovation costs, contractor payroll, insurance, and property taxes for months before a flip sells or a rental starts producing income. When a new deal shows up while capital is still tied up in the current property, moving fast can be difficult even for a business with a strong track record.
Cover renovation and contractor costs before a property sells- Carry holding costs — taxes, insurance, utilities — during a rehab
- Move quickly on a new deal without waiting on the current one to close
Where a real estate investor line of credit does the heavy lifting
Six moments when investment cash flow needs backup — and how a Loot line of credit can help.
Cover renovation and contractor costs
A rehab project requires materials and contractor payments well before the property is ready to sell or rent. A line of credit can help keep a renovation moving without pulling cash away from other properties in the portfolio.
Carry holding costs during a rehab or vacancy
Property taxes, insurance, utilities, and loan payments continue whether a property is being renovated, sitting on the market, or between tenants. A line of credit can help cover holding costs so a slower sale or vacancy doesn't strain the rest of the business.
Move fast on a new acquisition
Good deals can move quickly, and having cash tied up in a current project shouldn't mean missing the next one. A line of credit can give investors the working capital to act on a new opportunity while other properties are still in progress.
Cover earnest money and closing costs
Earnest money deposits, inspection fees, and closing costs can add up across multiple deals in progress at once. A line of credit can help cover these costs without disrupting renovation budgets already in motion.
Handle unexpected repair costs
A rehab can uncover issues that weren't part of the original scope — foundation work, electrical, or plumbing surprises. A line of credit can help cover the additional cost so the project doesn't stall waiting on funds.
Bridge the gap between sale and next purchase
Proceeds from a sale can take time to close and disburse. A revolving line can help smooth the gap between selling one property and putting capital to work on the next one.
How a real estate investor line of credit helps
A business line of credit for real estate investors provides flexible capital for renovation costs, holding costs, and deal timing. Draw loot when needed, repay as a property sells or rents, and keep moving on the next deal.
Loot for renovations
Draw capital instantly to keep a rehab project moving.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any portfolio size
From a single flip to a multi-property portfolio, the line flexes with your needs.
Trusted by real estate investors
Built by operators who understand renovation timelines, holding costs, and the value of moving fast on a deal. Transparent pricing, no hidden costs.
Speed that keeps pace with a hot market
From application to funding, Loot provides real estate investors with capital faster than a good deal disappears.
Flexible like a renovation timeline
Use a little or a lot. Repay as a property sells or rents. Scale limits as the portfolio grows.
How a Loot line of credit works for a real estate investment business
Say your business needs $28,000 to cover a kitchen and bathroom renovation, a contractor payment, and two months of holding costs on a flip. With Loot, you can draw $28,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If the property sells sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for real estate investor financing
To qualify with Loot, your real estate investment business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Real estate investor line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your investment business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Renovation costs, holding costs, closing costs, and deal timing | Purchasing a property outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing a property outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support the recurring costs of active investing — renovations, holding costs, and moving fast on the next deal — without tying up capital in any one property.
What real estate investors can use a line of credit for
- Renovation and contractor costs
- Holding costs — taxes, insurance, utilities
- Earnest money and closing costs
- Unexpected repair costs mid-rehab
- Acquisition of a new property
- Bridging the gap between sale and next purchase
- Property management or turnover costs on a rental
- Multiple deals in progress at once
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for fix-and-flip investors
Financing for fix-and-flip investors can help cover renovation costs and holding costs between purchase and sale. A flip that takes longer than expected to sell can strain cash flow even on a profitable deal. A line of credit can help carry the project to closing.
Financing for buy-and-hold rental property owners
Financing for buy-and-hold rental property owners can help cover turnover costs, repairs, and vacancy gaps between tenants. A line of credit can help keep a rental portfolio running smoothly between rent payments.
Financing for wholesalers and deal-flippers
Financing for wholesalers and deal-flippers can help cover earnest money and due diligence costs across multiple contracts in progress. A line of credit can help an investor move on more deals at once without tying up all available cash.
Financing for small multifamily property investors
Financing for small multifamily property investors can help cover renovation, turnover, and holding costs across several units at once. A line of credit can help keep a small multifamily property cash-flowing during a renovation or lease-up period.
Financing for renovation and rehab costs
Financing for renovation and rehab costs can help when a project uncovers more work than expected. Foundation, electrical, or plumbing surprises can add real cost mid-project. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if the property sells sooner.
Financing for growing real estate investment portfolios
Financing for growing real estate investment portfolios can help fund the next acquisition while capital is still tied up in current projects. A line of credit can give a growing portfolio the flexibility to act on new deals as they come up.
Real Estate Investor Financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your investment business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Real estate investors can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Real estate investors can use a Loot line of credit for renovation costs, contractor payments, holding costs, closing costs, and other business expenses. You see the total cost before confirming and only pay when you draw.
No. A Loot line of credit is unsecured working capital for your investment business's operating costs, not a property-secured loan tied to a specific acquisition. Many investors use a Loot line of credit alongside hard money or other acquisition financing to cover renovation and holding costs.
Yes. A Loot line of credit is business capital, not tied to any single property — you can draw against it for whichever project or deal needs cash at the time.
Apply for real estate investor financing today
If you're covering renovation costs on a current project or need to move fast on a new deal, a line of credit can give your investment business more room to work with.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49