Real releases embedded lending solution

The Real Brokerage announced its launch of Real Wallet Capital, a new lending product that gives the company’s U.S. real estate agents access to working capital directly through its digital platform.

The program — which operates within Real’s proprietary software platform reZEN — uses agent performance data to determine credit eligibility and loan amounts.

Leaders said it marks the first use of embedded lending technology in the residential brokerage industry.

“We believe Capital brings embedded finance to the real estate industry for the first time, giving eligible agents same-day access to the funds they need when they need them, without the headaches of traditional lending,” said Tamir Poleg, chairman and CEO of Real.

“It’s a transformative leap toward building the leading financial platform in real estate — one focused on agents’ success, giving them the tools to scale their businesses and concentrate on delivering exceptional service to their clients.”

How Real Wallet Capital works

The service continuously underwrites credit in the background using a mix of past earnings, pending deals and projected income.

Eligible agents can check their loan status, sign agreements and transfer funds directly through the Real Wallet interface.

Funds are typically transferred to an agent’s Real Wallet account on the same business day. Repayments are made automatically through small monthly payments and deductions from future commission and revenue share earnings, the company said.

“Real Wallet Capital gives our agents confidence, control and speed,” said Dominic Parikh, general manager of Real Wallet. “No waiting on banks — just seamless access to funds in Real Wallet. Whether it’s bridging a delayed closing or doubling down on a growth opportunity, agents now have even more flexibility to run their businesses the way they want.”

Pritesh Damani, Real’s chief technology officer, said the new offering extends the company’s broader goal of integrating financial technology into the real estate industry.

“Real Wallet is becoming the financial engine for the modern agent,” Damani said. “With Capital, we’re not just offering lending — we’re redefining what financial services look like in real estate. By embedding fintech directly into reZEN, we’re giving agents powerful, real-time tools to manage their business and unlock new levels of growth.”

Real Wallet Capital is launching in 28 states and the District of Columbia — with nationwide expansion planned in the coming months.

Agent feedback

Real agents said the service has already helped them access funds quickly for business needs.

“It took me two minutes to complete the Real Wallet Capital loan process and only three hours before I had the money in my Real Checking Account,” said Clint Peters, an agent in Decatur, Alabama. “It could not have been more simple for me to get the funds I needed. I appreciate how Real thinks about the day-to-day agent’s lives and helps make it better.”

“Real Wallet Capital gives me the flexibility to move fast on opportunities instead of waiting for commissions to close,” said Omega Mejia, a Dallas agent. “I’ve used it to market my listings, then paid it back as soon as the deal closed — which means I keep more cash on hand to invest in other parts of my business.”

Parikh said the initiative is part of Real’s broader effort to blend real estate operations with modern financial technology.

“We’re merging fintech with our brokerage model in a way that no one else in the industry is doing,” he said. “With Real Wallet, and now Capital, Real agents are better equipped to manage their business cash flow, invest confidently in their business and build long-term wealth.”