CommercialPrivate Credit Lending
Riverside Park Capital: Real estate financing for your next acquisition, refinance, or development.
Commercial and residential investor loans, funded with our capital partners.
| Program | Up to | Leverage |
|---|---|---|
| Commercial purchase / refi | $15 million | 75% LTV |
| Commercial cash-out | $5 million | 75% LTV |
| Residential DSCR | $5 million | 80% LTV |
| Fix & flip | $5 million | Per deal |
| Construction | $5 million | Per deal |
| SBA | Separate limits | 90% financing |
Lending in 48 states for commercial and 43 for DSCR. Subject to underwriting. Washington, DC is not currently available.
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Loading live rates · Source: Federal Reserve (FRED)
Market benchmarks from public sources. These are not Riverside Park Capital quotes. Pricing is set deal by deal.
- Financed by Our Principals
- $4B+
- Loan Sizes
- Program-specific limits
- Commercial Closing
- As little as 30 days
How we work
Institutional Discipline, Private Credit Execution
Partner programs cover commercial real estate financing in 48 states and SFR / DSCR rental financing in 43 states. RPC licensing and final availability vary by program, property, and market. We bring disciplined underwriting, responsive execution, and flexible capital to sponsors who need certainty on time-sensitive deals.
Direct Credit Decisions
We evaluate each request and set terms in-house, with one team from first review through closing.
Institutional Experience
Our principals began their careers on the lending desks of JPMorgan, Wells Fargo, HSBC and RBC.
Closing Speed
Commercial: Closing in as little as 30 days. SBA: Closing in as little as 45 days for qualified transactions. Residential timelines are confirmed per deal.
Financing
Programs
Commercial
Residential investorDSCR rental loans
Cash flow-based financing for investor-owned rental properties. Single family, 2-4 unit, condos, and townhomes.DSCR programs
Fix & flip and constructionFix and flip, ground up
Short-term capital for acquisition, renovation, and resale, and ground-up capital for new construction and development.Fix & flip programsExecution
Direct Credit Decisioning & Execution
We evaluate cash flow, leverage, sponsorship, collateral, and exit strategy in-house. One team manages your transaction from first review through closing.
Track Your Transaction in Real Time
Sponsors and brokers can monitor underwriting progress at every stage through our portal.
Submitted, completed
Reviewed, completed
Valuation, completed
Underwriting, current step
Commitment
Closing
Track record
Recent Closings
A selection of funded transactions across commercial and residential investor programs.
| Property | Location | Program | Leverage | Loan |
|---|---|---|---|---|
| Hotel | Queens, NY | Commercial | Terms not disclosed | $15,000,000 |
| Hotel | Philadelphia, PA | Commercial | Terms not disclosed | $14,000,000 |
| Single Family | Columbus, OH | Portfolio | 70% LTV | $9,800,000 |
| Single Family | Charlotte, NC | Portfolio | 70% LTV | $9,500,000 |
| Single Family | Dallas, TX | Portfolio | 70% LTV | $8,700,000 |
| Single Family | Tampa, FL | Portfolio | 70% LTV | $7,800,000 |
Lending guidelines
Commercial Purchase & Rate-and-Term Refinance
- Maximum loan amount: $15 million
- Maximum LTV: 75%
- Minimum FICO: 680
- Minimum DSCR: 1.15x
- Occupied commercial real estate only
- Closing in as little as 30 days
Commercial Cash-Out Refinance
- Maximum loan amount: $5 million
- Maximum LTV: 75%
- Minimum FICO: 680
- Minimum DSCR: 1.15x
- Unlimited cash-out proceeds within the $5 million loan limit and 75% LTV
- Closing in as little as 30 days
Residential Investor DSCR Loans
- Maximum loan amount: $5 million
- Maximum purchase LTV: 80%
- Minimum FICO: 680
- Minimum DSCR: 1.10x
- Non-owner-occupied residential investment properties only
- Cash-out refinance leverage is confirmed per deal
Fix & Flip Loans
- Maximum loan amount: $5 million
- Minimum FICO: 680
- Short-term financing for purchase and renovation
- Leverage is sized on cost and after-repair value, confirmed per deal
Ground-Up Construction Loans
- Maximum loan amount: $5 million
- Minimum FICO: 680
- Construction draws on an approved budget
- Leverage is sized on total cost, confirmed per deal
SBA Financing
- Up to 90% financing for qualifying SBA transactions
- Owner-occupied commercial real estate eligibility requirements apply
- SBA 7(a): up to $5 million per loan
- SBA 504: SBA/CDC portion up to $5 million ($5.5 million for qualifying manufacturing and energy projects); total project financing can be larger
- Closing in as little as 45 days for qualified transactions
Subject to underwriting. These guidelines are not a commitment to lend.
Questions
Frequently Asked Questions
Reference information for sponsors, brokers, and real estate investors about our commercial and residential investor financing programs.
Discuss a transaction
The originations team is available to structure capital around your transaction.
Talk With OriginationsGeneral
Commercial Real Estate Financing
Residential Investor Financing
Process & Execution
Get financing updates by text or call
Pick the channels you want the Riverside Park Capital originations team to follow up on. Consent is not a condition of any financing, and you can opt out at any time.
Start with a financing request
Tell us about your property and financing needs, and our originations team will follow up. Prefer to work in the portal? Create your account.