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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.

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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.

Commercial Mortgages

Commercial mortgages are our bread-and-butter. Whether you need to purchase, refinance, or draw equity. we can help you get the funds you need.

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Working Capital or Line of Credit

Most businesses need extra cash to weather slow periods, expand, or just as a buffer against the unexpected. A WC/LOC can give you the flexibility you need.

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Credit Cards, Merchant Accounts & Factoring

If you need corporate credit cards, need to be able to accept credit card payments, or need to borrow against receivables, we have the solutions you need.

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Vehicle and Equipment Loans

Need money for vehicles, heavy machinery, computers and office equipment, or other fixed assets? We can assist you with competitive rates and terms.

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Our Clients

Our Services

Recent Closings via Our Funders

$650,000

$650,000

Medical Clinic
75% LTV at 9.5% APR
Office Building Purchase
Foreign National
Tampa, FL

$2,000,000

$2,000,000

Agriculture Company
11.50% Interest Rate
Debt Consolidation & Working Capital
10-Year Term, No Prepay Penalty

$4,300,000

$4,300,000

Construction Company
10.25% Rate
Working Capital
Revolving Loan
Simi Valley, CA

$453,100

$453,100

Ice Cream Shop
11.00% Interest Rate, 10-Year Term
Franchise Start-up
No Pre-Pay Penalty

$350,000

$350,000

Restaurant Building
10.25% Rate, 10-Year Term
SBA 7(a) Debt Refinance & Expansion
Atlanta, GA

$1,610,000

$1,610,000

Motor Lodge
10.75% Interest Rate, 25-Year Term
Working Capital
Debt Refinance

$ 400,000

$ 400,000

Home Improvement Center
11.5% Interest Rate, 10-Year Term
Working Capital
No Prepay Penalty

$800,000

$800,000

Construction Company
12-Month Term
Inventory Financing
Fixed Payments
Funded in 10 Days

$900,000

$900,000

Retail Strip Center
9.00% Interest Rate
Conventional Purchase Financing
5-Year Fixed
25-Year Amortization

$3,693,000

$3,693,000

Cannabis Financing
5-Year Term,
Dispensary & Equipment Purchase
20-Year Amortization
Las Vegas, NV

$570,000

$570,000

Equipment Supplier
8.5% Rate,
80% LTV Industrial Building Purchase
3-Week Closing
Palm Harbor, FL

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Staff & Brokers

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why choose us

Common Types of Commercial Loans

Bridge Loan

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.

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SBA Loans

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. Franchise financing is also available on great terms.

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Fannie Freddie Logos

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.

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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.

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construction loan pic

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 or a hotel, condominium building, 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 multi-family 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.

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Do 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

Small Business CDFI

Community Development Financial Institutions (CDFI) 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.

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USDA 538 Loans

USDA 538 Loans

USDA Rural Development provides up to a 90% guarantee for loans made by commercial lenders to borrowers developing or rehabilitating multi-family rental housing for low- and moderate-income tenants in rural areas.

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What is a CMBS Loan?

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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Contact Us

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.

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Work Process

Credit Help

Credit Reports

Obtain your tri-merge credit report with scores and account histories for Experian, Equifax, and TransUnion. 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 Reports

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 Repair

Credit Builder

The major consumer reporting agencies have options to help you quickly improve your credit through various credit builder programs. Most of these programs are free, but some private programs may cost a significant sum.

For more information on these programs and what they can do for you, click below. These programs really do work!

Credit Builder

Need a Commercial Loan?

Call Us : +1 (844) 250-LOAN (5626)

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RPA Commercial Loans

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About Permanent Bank Loans ​

When most people think about commercial loans, what comes to mind is permanent bank loans. These are 25-year fully-amortized loans, in the minds of most people. They think of these loans, because these are similar to the loans most people have on their residences.

However, permanent bank loans are quite rare. Most permanent loans are going to be on owner-occupied properties. Investors will typically opt for interest-only loans of several years, so as to increase annual cash flow. They don’t want to tie-up money inside a hard asset, so they are quite happy to let the balance ride.

Even with permanent loans, the vast majority of these will be agency loans, with permanent bank loans reserved for the best, most financially-solid borrowers.

Contact us to see which financing option is best for your circumstances.

Bank
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About Construction Loans

Most construction projects run in the $5 million to $20 million range, with larger construction projects from $20 million to $100 million or more.

Once we get to larger deals, we look to Syndication options that involve multiple banks, mezzanine loans, and private equity, as needed.

Construction loans run similar in process to bridge loans, but on a larger scale. In addition to the standard paperwork for investment loans, we also will need plans/specifications, budget, contractor’s resume or history, and project drawings.

If the deal will be financed as an agency or bank loan, we will also need personal and business tax returns (if applicable).

Note our document checklist for construction loans.
Construction
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