There’s no doubt that it helps tremendously to have a good credit score when applying for any kind of commercial loan. However, if you happen to have a relatively low credit score, you will still have a number of options available to you for securing the funding you need to proceed with a real estate transaction. Here are some of the approaches you might want to consider to get the necessary funding for acquiring whatever piece of real estate you’re interested in.


This has become an extremely popular way of breaking into real estate investing, and many beginning investors have found that they’ve acquired many of the necessary skills of the trade when using this technique. It involves finding a house for sale and purchasing it well below its actual value, then re-sailing the residence to an investor at a slightly higher price. If you can make a profit on a few of these, you’ll be on your way to real business success.

Find a Good Partner

If you can find yourself a good partner who has solid financial resources, you can establish a partnership, with yourself providing the real estate expertise. You can leverage your partner’s good credit standing to acquire funding from lenders, while you provide all the business expertise necessary to operate the commercial enterprise until such time as you sell it for profit.

Private Money

There are many sources where you might be able to obtain private money, for instance, family members or friends, who will lend you money at a lower interest rate than prime. This approach is often taken by individuals who are in the fix and flip business and tend to make a quick turnaround on property purchases. These types of short-term loans don’t really require a good business credit score, because the turnaround period is so short that any profit will be quickly realized, and exposure will be minimal.

Considering a Real Estate Purchase?

If you’ve had your eye on a particular piece of real estate, but have lacked the funding, we may be able to help. Contact us at Ambition Funding Solutions, so we can explore some possibilities for funding your next real estate transaction.