The Problem with Traditional Loans for Property Managers (and What to Use Instead)

We get this question all the time: “How do I know if I qualify?” Unlike banks, we don’t make decisions based solely on credit scores. At Fyxed, we look at your rent roll, software usage, and overall property performance. If you're managing doors, collecting rent, and planning ahead, there’s a good chance we can help. In this post, we’ll outline what we look for, how the process works, and how to get started.

Getting financing as a property manager isn’t easy. Banks don’t understand your business. Credit card rates are sky-high. And traditional business loans? They often take weeks—and ask for personal guarantees or spotless credit scores.

If you’ve tried to get funding through a traditional lender, you’ve probably run into:

• Lengthy applications
• Requests for years of financials
• Slow approvals
• Terms that don’t match your rent cycle
• Unclear repayment plans

At Fyxed, we think it’s time for something better.

Why Traditional Loans Don’t Work for Property Managers

Property management is a cash flow business. You’re collecting rent, coordinating maintenance, managing vendors, and making owner payouts—all on tight timelines.

But banks aren’t built for that. They don’t see the value in your rent roll, occupancy rate, or consistent owner payments. They look for collateral. They want tax returns and profit margins.

Even if you’re running a profitable portfolio, you can get denied for reasons that have nothing to do with how well your properties perform.

Fyxed: A Better Way to Fund Your PM Business

Fyxed was built for one thing: funding property management businesses.

We offer working capital and cash flow solutions based on your actual rent performance—not just your personal credit or past returns. That means:

✅ No personal guarantee
✅ No long wait times
✅ No generic loan products
✅ No stress trying to explain your business model

Instead, we use real-time data from your software (like AppFolio, Buildium, Rentvine, Propertyware, and QuickBooks) to assess what you need—and what you can support.

What Can You Use Working Capital For?

The flexibility of our working capital product means you can use funds where you need them most:

• Hiring new team members
• Marketing new units
• Tackling seasonal slumps
• Launching a new location
• Upgrading software
• Creating reserves for turns or owner draws

It’s your business. You know where the pressure points are. We help you act on them.

How It Works (It’s Easier Than You Think)

With Fyxed, getting working capital doesn’t feel like applying for a loan. Here’s the process:

1. Connect your software (secure and read-only)
2. We assess your rent roll and performance
3. You get a custom capital offer
4. Funds can hit your account in as little as 24–48 hours

It’s that simple. No guesswork. No collateral. No wasted time.

Is It Right for Me?

If you're a property manager, PMC owner, or independent landlord managing multiple units, and you’re looking for:

• A cushion during slower seasons
• Growth capital without debt risk
• Flexibility to make smart business moves
• A partner who understands property management cash flow

Then yes—you’re likely a great fit for Fyxed.

Don’t Let Traditional Lenders Slow You Down

In a fast-moving property management business, time is everything.
Waiting weeks for a bank to say no isn’t just frustrating—it’s lost revenue.

With Fyxed, you can get the capital you need when it matters most—and keep your business running smoothly.

See If You Qualify Instantly
Book a Free Consultation

Fyxed gives property managers the financial power to stay ready, flexible, and in control.
Let’s move at your speed—not the bank’s.