What Makes a Commercial Closing in 30 Days Possible?
Occupied commercial financing can close in as little as 30 days when the appraisal, title, underwriting and borrower documents are ready. This is a possible timeline, not a promised closing date.
Key loan facts
- Loan Amount
- $100,000 to $15,000,000
- Eligible properties
- Multifamily, Office, Retail, Industrial, Mixed-use, Self-storage, Cold storage, Hotels, Motels, Data centers
- Maximum Leverage
- 75%
- Minimum FICO
- 680
- Minimum DSCR
- 1.15x
What should be ready before you set a closing date?
Submit a complete description of the deal and flag contract deadlines immediately. A current rent roll, operating statements, entity documents and a clear business plan let the team identify missing items early. Confirm property access for the appraiser, the title contact and insurance requirements while underwriting is underway.
Where it fits
The review stages depend on one another. Credit authorization and the credit-report fee are part of the review. Appraisal access, unresolved liens, ownership discrepancies and changes to the requested structure can create follow-up work even when the original request looks straightforward.
Illustrative example
Illustrative: a buyer who has the signed contract, current leases and entity records can answer the first checklist quickly. A refinance with an unknown payoff or unresolved title issue needs those matters settled before closing documents can be completed.
Initial fit check
Occupied commercial real estate, minimum FICO 680, minimum DSCR 1.15x, and no more than 75% LTV. Value, income, title and documents must support the request.
Apply with your property and financing request, or submit a deal as a broker through Partners.
Eligible Asset Types
- Multifamily
- Office
- Retail
- Industrial
- Mixed-use
- Self-storage
- Cold storage
- Hotels
- Motels
- Data centers
Which program facts apply to this request?
As of 2026-10-08| Fact | Public guideline |
|---|---|
| Loan amount | $100,000 to $15,000,000 |
| Program condition | Maximum loan amount: $15 million |
| Program condition | Maximum LTV: 75% |
| Program condition | Minimum FICO: 680 |
| Program condition | Minimum DSCR: 1.15x |
| Program condition | Occupied commercial real estate only |
| Program condition | Closing in as little as 30 days |
| Program condition | Commercial financing is available in 48 states. Washington, DC is unavailable. Check the property's state before proceeding. |
| Program condition | All property types are subject to underwriting. |
- • These are public guidelines, not a loan commitment. Final terms depend on underwriting.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/commercial-mortgage-close-in-30-days. Data may be cited or embedded with attribution.
Methodology
- Public lending guidelines reviewed 2026-10-08. Program limits are ceilings, not a commitment to lend. Examples labelled illustrative are calculations, not closed transactions.
Underwriting Guidelines
- 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 financing is available in 48 states. Washington, DC is unavailable. Check the property's state before proceeding.
- All property types are subject to underwriting.
Who This Is For
- Buyers with a contract deadline on an occupied asset
- Owners who can coordinate document delivery and appraisal access
Who This Is Not For
- Vacant commercial properties under this occupied-property program
- Consumer home mortgages
- Unrestricted cash-out above the commercial cash-out loan limit
Frequently Asked Questions
Request Financing
Tell us about the property. We send preliminary terms, which are an estimate and not an approval.
Request Financing View Program GuidelinesSubject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.
Ready to start a loan request?
Commercial real estate and investor property loans. $100,000 to $15,000,000
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.