Down payments, rehab budgets, holding costs — business credit can cover all of it. Here's how to fund deals without draining your personal savings.
Real estate is one of the fastest ways to build wealth — but most people get stuck on down payments, rehab budgets, and holding costs. With business credit, you can solve all three and potentially cover 100% of your deals without touching personal savings.
Enough to work 3 properties simultaneously instead of being stuck on 0–1.
12–15 month windows to deploy capital and repay before interest kicks in.
Keep your personal accounts intact while deals get funded and closed.
Traditional lenders require 25–30% down. Business credit gives you the flexibility to liquidate that amount instantly — without a wire, without liquidating investments, without asking a private money lender.
With $100K in business credit, you can technically work 3 properties at once instead of being stuck on 0–1 deal waiting for one to close before funding the next.
Run materials, contractor payments, and carrying costs directly through business credit cards. You're not eating into personal accounts or waiting on a draw from a lender — you move when the deal needs you to move.
Contractors, supplies, permits, utilities — all of it can run through business credit. That gives you breathing room without touching your personal cash flow.
Hard money and DSCR lenders will fund most of the purchase price — but they always have a GAP. That GAP is the down payment plus rehab they won't cover.
Business credit is the perfect GAP funding tool. The lender handles the bulk of the deal. You handle the GAP with 0% business credit. Deal closed.
HVAC stolen the day before closing? Contractor ghosted mid-project? Business credit lets you solve problems instantly — no waiting on wire approvals, no borrowing from personal savings.
Plus, chargeback protection. If a contractor scams you, you can dispute the charge through your card issuer. Try doing that with cash or a bank wire.
If you need $50K down and pay a 6% fee to liquidate from business credit, that's $3,000 in fees. Subtract average cashback of 1.5–2% and your net cost is around $2,350.
Compare that to what you're getting on the other side of the deal:
Tenants paying rent every month while you hold the asset.
Property values rising over the hold period, building equity passively.
Depreciation, write-offs, and cost segregation advantages.
Your tenants reduce your debt every month. You're building equity without paying it yourself.
On paper, hard money is slightly cheaper in this example. But with business credit: you skip all underwriting (no docs, no tax returns), you can use it for anything not just approved line items, you have chargeback protection, and it gets rural and disqualified properties done that hard money won't touch. Sometimes paying a little more is worth it for the flexibility, speed, and control.
Take any deal you're looking at — or a hypothetical one — and run the numbers. How much would you need in business credit to close it?
Once you know your numbers, you know exactly how much business credit you need to make the deal work — and whether you're ready to execute now or need to build your credit stack first.
If you have questions about how to apply this to a specific deal, or you want to understand how much business credit you could access right now — book a call and let's walk through it together. You don't have to depend solely on private money lenders.
Book a Free Strategy CallQuestions? DM me or email Cade@impruvu.io