Small Balance CRE Loans
Riverside Park Capital makes small balance commercial real estate loans for investors and sponsors below the institutional threshold: up to $15,000,000 for purchase and rate-and-term refinance and up to $5,000,000 for cash-out refinance, on occupied commercial property.
Commercial purchase and rate-and-term refinance: up to $15 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing.
Key loan facts
- Loan Amount
- $100,000 to $15,000,000 for purchase and rate-and-term refinance; cash-out refinance up to $5,000,000
- Eligible properties
- Multifamily (5+ units), Mixed-use, Retail, Office, Industrial and warehouse, Self-storage, Cold storage, Hotels and motels, Data centers
- Term
- $100,000 to $15,000,000 for purchase and rate-and-term refinance
- Maximum Leverage
- 75%
- Minimum DSCR
- 1.15x
- Minimum FICO
- 680
Eligible Asset Types
- Multifamily (5+ units)
- Mixed-use
- Retail
- Office
- Industrial and warehouse
- Self-storage
- Cold storage
- Hotels and motels
- Data centers
Underwriting Guidelines
- Loan size: $100,000 to $15,000,000 for purchase and rate-and-term refinance
- Cash-out refinance: up to $5,000,000
- Maximum LTV: 75%
- Minimum DSCR: 1.15x
- Minimum FICO: 680
- Occupied commercial real estate only
- Closing in as little as 30 days, subject to underwriting
- All property types are subject to underwriting.
Who This Is For
- Independent CRE investors below the CMBS threshold
- Sponsors who cannot access institutional capital
- Investors acquiring small commercial properties
Who This Is Not For
- Transactions exceeding $15M
- Owner-occupied residential
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.
Program Loan Limits
Commercial purchase and rate-and-term refinance: up to $15 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing.
Ready to start a loan request?
Commercial real estate and investor property loans. Commercial purchase and rate-and-term refinance: up to $15 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing.
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.