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Show Ready provides you an unsecured line of credit . From staging to repairs and upgrades, it can help unlock your home’s potential to achieve an optimal sale outcome* , with nothing due until closing.**
Discover how Coldwell Banker Elite's Show Ready program helps home sellers get top dollar without draining savings. Get up to $50,000 in flexible funding for home improvements before selling—no upfront costs, no credit impact.
Show Ready is fast, flexible, and easy to use
Step 1
• The entire application takes less than 5 minutes
• Access to funds is instant upon approval
• No impact to credit score when applying, no liens placed on the property
Step 2
• Use any contractor or shop at any home improvement vendor
• Receive a debit card for convenient spending
• When cards are not accepted, make a bank transfer or have a check mailed directly to the vendor
Step 3
• Nothing due until the home closes (or 12 months)*
• Interest applies only on funds spent
• As home closing nears, instructions on how the loan can be • repaid at closing will be provided
Let’s talk about how using Show Ready will take the stress out of selling your home
The application and approval process uses a soft credit inquiry, which does not affect your credit score.
Additionally, your credit score will not be impacted by drawing funds.
You have 12 months (1 year) to sell your home. If it hasn’t sold by then, you can request an extension or set up a payment plan to give yourself more time to sell.
If you choose to no longer sell your home, the loan will need to be repaid.
You’ll see:
• ~1% monthly interest until you sell your home (reflecting an 8.99–16.99% annual rate).*
• A $499 one-time fee due at closing.
Most homes sell in about 3 months. At our average ~1% monthly interest (12% annually), that’s about 3% interest paid at closing, only on what you actually spend.
There is no cost to you if you no longer need your funds. You can simply request your loan be closed.
You can use funds for virtually anything that helps get your home ready to sell — from staging and painting to repairs, landscaping, or even things like storage and temporary housing.
​​• Meet a minimum credit score of 680 (varies by state)
• Be an owner of the property (or be able to act on behalf of the owner)
• Have at least 20% equity in the home (in some cases, at least 10%)
• Signed listing agreement with a real estate agent
• Property list price under $4M
* Additional criteria may apply
The maximum you can qualify for is $50,000.
We determine approval amounts primarily based on the equity in the home — though other credit-worthiness factors may be considered that can impact your credit limit.
Once your closing date is set, let us know by logging into your portal and adding the home close date. We will send you and your agent a final payoff statement and, if needed, an escrow demand along with clear repayment instructions.
Yes! We can work with homes owned by an LLC, Trust, Estate, or under Power of Attorney (POA). We may ask for some documents to verify ownership during the application process.
Only soft credit inquiries are performed, so your credit score won’t be affected during the application. Our loans are personal and unsecured, meaning there’s no lien on the property.
Additionally, we won’t report the loan to the credit bureau unless the loan remains unpaid after it becomes due.
Take the first step toward your goals with a team dedicated to guiding you every step of the way.
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