RPA Commercial Loans
📞
We Fund The American Dream
FREE · NO OBLIGATION

Apply for Commercial Financing

Our application takes 10 to 15 minutes. A dedicated loan officer reviews every file personally and contacts you within 1 business day.

Start My Application →

No credit pull required to apply

🔒Bank-Level Security
📋No Upfront Fees
⚡Response Within 24 Hours
🏦100+ Lender Network
🗺️Licensed Nationwide

How the Process Works

From application to funding, here's exactly what to expect.

1

Submit Your Application

Complete our multi-step online form. Takes 10 to 15 minutes. No fee, no obligation.

2

Loan Officer Assignment

A dedicated loan officer reviews your application within 1 business day and contacts you to discuss your deal.

3

Document Collection

Upload your documents through your secure borrower portal. Our checklist guides you through every requirement.

4

Funder Matching

Your loan officer matches your deal to the best-fit lenders in our network and submits your package.

5

Term Sheets & Selection

Review competing offers side by side. Your loan officer helps you evaluate and select the best terms.

6

Closing & Funding

Execute closing documents and receive your funds. Most closings complete in 21 to 60 days.

Document Checklist

Having your documents ready speeds up your approval significantly. Select your loan type below.

Always Required

✓Government-issued photo ID (driver's license or passport)
✓Personal tax returns, last 2 years (all pages)
✓Personal financial statement (balance sheet)
✓Bank statements, last 3 months (personal & business)
✓Purchase contract (fully executed)
✓Credit authorization form

Real Estate Documents

✓Property photos (exterior + interior)
✓Rent roll (if income-producing)
✓T-12 operating statement (if income-producing)
✓Environmental questionnaire
✓Property insurance binder or quote

Business / Entity Documents

✓Business tax returns, last 2 years
✓Year-to-date profit & loss statement
✓Business bank statements, last 3 months
✓Articles of incorporation / operating agreement
✓Business license

💡 Tip: You don't need all documents before applying. Submit your application first, your loan officer will send you a tailored checklist via your secure portal.

Frequently Asked Questions

Is there a fee to apply?

No. Submitting an application is completely free. Our fee is a funding fee agreed upon before we submit your deal to lenders, only payable upon successful funding.

How long does the process take?

Bridge and hard money loans can close in as little as 5 to 10 business days. Conventional and SBA loans typically close in 30 to 60 days. The largest factor is how quickly documents are provided.

What credit score do I need?

Requirements vary by loan type. Bridge loans may accept 580+. SBA and conventional loans typically require 660+. Our loan officers evaluate every file individually, don't assume you won't qualify.

Do you work with foreign nationals?

Yes, for certain loan products including bridge loans and some conventional programs. Please note this in your application.

Can I apply for multiple properties?

You will need a separate application for each property. Contact us and we can coordinate a portfolio review.

What happens after I submit?

A loan officer will be assigned to your file and contact you within 1 business day. You'll also receive portal access to upload documents and track your application status.

Ready to Get Started?

Our application takes 10 to 15 minutes. A loan officer will contact you within 1 business day.

Have a question?

I'm Robert, your RPA assistant. Ask me about loan programs, applications, or partner onboarding.