Your Trusted Partner in
Commercial Loan Origination
With loan officers across the US, we connect borrowers with the right funding programs, from bridge loans to Fannie Mae, SBA, C-PACE, and beyond.
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 working capital, equipment loans, credit card solutions, merchant accounts, and accounts receivable factoring.
We generated over $1.9 billion in commercial loan applications in a six-month period in 2023, and our pipeline continues to grow. We stay busy, but we always strive to give every client the individual attention they deserve.
Common Types of Commercial Loans
We fund projects of every size and complexity across all 50 states.
Bridge Loans
These loans allow you to optimize a property to qualify for a better loan in the future. 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 operations.
SBA Loan Programs
By working exclusively with SBA Preferred Funders, we get quick answers and minimize paperwork. Programs are available for owner-user commercial properties and working capital. New businesses may qualify using reasonable income projections.
Agency Loans
Purchasing a multifamily (5+ units) property? With a loan requirement of $1M 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. No upper limit on loan size.
Permanent / Term Loans
Permanent financing available for well-qualified borrowers with stabilized investment properties. SBA, USDA, Fannie/Freddie, banks, REITs, life insurance companies, and private investors all provide permanent financing through our network.
Construction Loans
Whether you are building an owner-use office, hotel, condo, hospital, shopping center, major residential development, marina, airport, or senior housing, we can find a loan program to meet your construction financing needs.
Fix & Flip / Rehab
Found the perfect multifamily or commercial property that just needs work? Whether it needs minor touch-ups or a major overhaul, we can find the best loan for your needs, including time to stabilize occupancy and rents.
C-PACE Financing
Commercial Property Assessed Clean Energy (C-PACE) financing allows property owners to fund energy efficiency, renewable energy, and water conservation improvements through a special assessment repaid over time. Long terms, attractive rates.
Working Capital & LOC
Most businesses need extra cash to weather slow periods, expand, or buffer the unexpected. Our working capital loans and lines of credit can give you the flexibility you need, with options from $25,000 to $5 million.
Hard Money Loans
When speed and flexibility matter more than rate, hard money delivers. Asset-based lending with minimal documentation, fast closings in as little as 5 to 10 days, and loan amounts from $100K to $50M+.
USDA Programs
USDA Rural Development provides up to a 90% guarantee for loans to borrowers developing or rehabilitating multifamily rental housing for low- and moderate-income tenants in rural areas. Eligibility maps available.
Accounts Receivable Financing
Turn outstanding invoices into immediate cash. AR financing and factoring lets businesses access working capital tied up in receivables, ideal for staffing, manufacturing, trucking, and B2B service companies.
Hotel & Hospitality Loans
Specialized financing for hotels, motels, resorts, and extended-stay properties. We work with brand-affiliated and independent operators on acquisition, renovation, and refinance across all flag tiers.
Recent Closings via Our Funders
Real deals. Real funding. Real results.
Our Platform Works for Everyone
Whether you're a lender, broker, originator, or referral agent, there's a role for you.
Lenders & Funders
Partner with us to access a curated pipeline of pre-qualified commercial loan opportunities. Our platform streamlines underwriting, document management, and deal coordination.
CRE Brokers
Leverage our network and technology to close more deals. Earn competitive referral commissions and track your pipeline in real time through our broker portal.
Loan Originators
Submit and manage loan applications on behalf of your clients. Our platform guides you step-by-step and connects you with the right funding programs automatically.
Referral Agents
Refer clients and earn commissions on funded loans, no license required. Our simple tracking system ensures you are always credited for your introductions.
Niche Commercial Loan Solutions
Lesser-known but powerful financing options for specialized needs.
CMBS Loans
Commercial Mortgage-Backed Securities offer fixed-income products backed by commercial mortgages, a solid alternative for income-producing properties.
CDFI / Microloan Programs
Community Development Financial Institutions provide resources, including loans, to underserved communities struggling to access conventional financing.
USDA 538 Loans
USDA Rural Development provides up to a 90% guarantee for multifamily rental housing loans for low- and moderate-income tenants in rural areas.
Specialty Use Properties
Car washes, airports, marinas, data centers, cannabis operations, unusual projects are our specialty. LTVs up to 80%.
C-PACE Financing
Commercial Property Assessed Clean Energy financing lets property owners fund energy efficiency and renewable energy improvements through a long-term special assessment, no out-of-pocket costs at closing.
Merchant Cash Advances (MCA)
Fast business funding based on future revenue, not credit scores. Ideal for businesses needing immediate capital with flexible repayment tied to daily sales volume.
Mobile Home Park Loans
Specialized financing for manufactured housing communities. We offer acquisition, refinance, and value-add bridge loans for MHPs of all sizes, an often overlooked but high-demand asset class.
Ground Lease Financing
Separate the land from the improvements. Ground lease financing unlocks capital for landowners and enables developers to acquire prime sites with lower upfront costs and longer loan terms.
SBA Working Capital for Construction Firms
Construction companies can access up to $5 million in SBA 7(a) working capital, no real estate required. Cover payroll, materials, bonding costs, and equipment while waiting on contract payments. Available to general contractors, subs, and specialty trades.
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Browse the StoreReady to Get Funded?
Our application takes minutes. Our loan officers will match you with the best funding program for your project.