- +1 (714) 475-2941
- admin@rpa-us.com
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Welcome to RPA Commercial Loans!
With commercial mortgage loan officers situated across the Continental United States, Alaska, and Hawai’i, RPA Commercial Loans can help you reach your commercial funding goals wherever you operate. While our primary focus is commercial real estate loans, we are also able to assist you with other financial products including unsecured working capital loans, vehicle and equipment loans, credit card solutions, merchant accounts, and accounts receivable factoring.
about us
Our Goals and Achievements
We stay busy, but we strive to give every client the necessary individual attention that we would ourselves want. Not every deal qualifies for funding, but we do our best to find funding for every circumstance. We generated over $1.9 billion in commercial loan applications in the six-month period from March to August 2023.
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Our Clients
Our Services
Recent Closings via Our Funders
$650,000
Medical Clinic
75% LTV Office Building Purchase
9.5% Rate, Foreign National
Tampa, FL
$2,000,000
Agriculture Company
Debt Consolidation & Working Capital
10-Year Term, No Prepay Penalty
11.50% Interest Rate
$4,300,000
Construction Company
Working Capital
10.25% Rate, 10 Year Fixed
Simi Valley, CA
$453,100
Ice Cream Shop
Franchise Start-up
10-Year Term/No Prepay
11.00% Interest Rate
$350,000
Restaurant Building
SBA 7(a) Refinance & Expansion
10.25% Rate, 10-Year Term
Atlanta, GA
$1,610,000
Motor Lodge
Debt Refinance & Working Capital
25-Year Term
10.75% Interest Rate
$ 400,000
Home Improvement Center
Working Capital
10-Year Term/No Prepay
11.5% Interest Rate
$800,000
Construction Company
Inventory Financing
12-Month Term/Fixed Payments
Funded in 10 Days
$900,000
Retail Strip Center
Conventional Purchase Financing
5-Year Fixed/25-Year Amortization
9.00% Interest Rate
$3,693,000
Cannabis Financing
Dispensary & Equipment Purchase
5-Year Term, 20-Year Amortization
Las Vegas, NV
$570,000
Equipment Supplier
80% LTV Industrial Building Purchase
8.5% Rate, 3-Week Closing
Palm Harbor, FL
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Years of Experience
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Loan Application
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why choose us
Common Types of Commercial Loans
These loans allow you to optimize a property to qualify for a better loan in the future. This program works well for low occupancy properties, properties that need rehab, or buyers with income or credit issues. Bridge loans are often used for specialty properties, such as cannabis.
By working exclusively with SBA Preferred Funders, we are able to get quick answers and minimize paperwork requirements for SBA loan programs. Programs are available for owner-user commercial properties and working capital. New businesses may qualify using reasonable income projections.
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If you are purchasing a multifamily (5+ units) property with a loan requirement of $1 million or more, you may qualify for up to 80% LTV financing through Fannie Mae/Freddie Mac or up to 90% through USDA's 538 loan program.
Permanent financing is available for well-qualified borrowers with stabilized investment properties. SBA, USDA, and Fannie/Freddie offer permanent financing. as well as do banks, REITs, Life Insurance companies, and private investors. We have access to all these financing sources and more.
Very similar to bridge loans are construction loans. For major construction, loans may be up to five years. Whether you are building an owner-use office, hotel, condo, hospital shopping center, major residential development, marina, airport, senior housing, et cetera, we can find a loan program to meet your needs.
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Did you find the perfect multifamily or commercial property, but it just needs some touching-up? Perhaps, it needs a major overhaul. Either way, we can find the best loan to meet your needs. Plan on a loan term that covers the construction period plus six months to allow you to stabilize occupancy and rents for investment properties.
o you have an unusual project? Whether you are purchasing a car wash, airport, marina, data center, power plant, cannabis operation, or any other type of unusual project, we likely have a great loan option for you. With LTVs up to 80%, we can get you going quickly.
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Here are details on some lesser-known or misunderstood loan products.
Niche Commercial Loan Solutions
Small Business CDFI
Community development financial institutions that are commissioned to provide resources, including loans, to underserved communities. If you're having trouble qualifying for a small business loan, a CDFI loan might be a good option for you.
USDA 538 Loans
USDA Rural Development provides up to a 90% guarantee for loans made by commercial lenders to borrowers developing or rehabilitating multifamily rental housing for low- and moderate-income tenants in rural areas.
What is a CMBS Loan?
Commercial Mortgage-Backed Securities (CMBS) are fixed-income investment products backed by mortgages on commercial properties, rather than on residential real estate. CMBS loans can be a good alternative for some property investors.
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Get in Touch
We’d love to hear from you! Whether you have a question, need support, or just want to connect, our team is here to help. Reach out using any of the methods below, and we’ll get back to you as soon as possible.
Work Process
Credit Help
Credit Reports
Obtain your tri-merge credit report with scores and account histories for Experian. This will be a soft pull on your credit report, so viewing and printing your report will not affect your credit score.
We can accept this report with your application, so you can avoid a hard pull for now.
Credit Repair
The credit repair industry has been under fire for many years. Many fly-by-night companies have sullied the reputation of the industry.
However, there do exist reliable companies in the this space. Click below to learn more and see available options.
Credit Builder
The major consumer reporting agencies have programs to help you quickly improve your credit through various credit builder programs. Most of these programs are free, but some private progress do cost a significant sum.
For more information on these programs and what they can do for you, click below. These programs really do work!
Want for Commercial Loan?
Call Us : +(62) 800-567-8990
Contact
- 30 N Gould Street, Suite R Sheridan, WY 82801
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+1 (844) 250-LOAN (5626)
+1 (714) 475-2941 - admin@rpa-us.com
- Monday-Friday 9AM EST – 5PM PST
RPA Commercial Loans
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