RPA Commercial Loans
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We Fund The American Dream

All Loan Products

From bridge loans to Fannie Mae agency financing, SBA programs, and C-PACE, we have a solution for every commercial real estate need.

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Bridge & Construction

Short-term financing for properties in transition, renovation, or ground-up construction.

6 months, 3 years

Bridge Loans

Ideal for low-occupancy, rehab, or credit-challenged borrowers needing time to stabilize.

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6 months, 5 years

Construction Loans

Ground-up construction for any commercial property type including hotels, condos, hospitals.

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6 months, 2 years

Fix & Flip / Rehab

Purchase and renovate multifamily or commercial properties with one loan.

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Unique Properties

Specialty Use Properties

Car washes, cannabis, airports, marinas, data centers, we fund them all.

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Permanent / Term Loans

Long-term financing for stabilized income-producing properties.

5, 7, 10, 15, 30-Year

Conventional Term Loans

Fixed or variable rate permanent financing from banks, REITs, life insurance companies, and private investors.

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$2M+ Fixed Rate

CMBS Loans

Non-recourse, fixed-rate securitized loans for any income-producing property type.

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$3M+ Lowest Rates

Life Company Loans

Insurance company portfolio lenders offering the lowest long-term fixed rates for Class A assets.

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Asset-Based

Hard Money Loans

Fast closings based primarily on property value, not credit score. Great for time-sensitive deals.

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$50M+ Mega-Deals

Syndicated Loans

Loan syndication assembles capital from a group of institutional lenders for transactions of $50 million to well over $1 billion.

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Agency Loans

Government-sponsored financing for multifamily and affordable housing, up to 80 to 90% LTV, no upper loan limit.

$1M+ Multifamily

Fannie Mae DUS

Up to 80% LTV for 5+ unit properties. No upper loan limit. Non-recourse available.

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$750K+ Multifamily

Freddie Mac

Independent pricing from Fannie Mae, SBL, conventional, and value-add programs.

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Multifamily & Healthcare

FHA / HUD

Up to 90% LTV. Fully amortizing, non-recourse, 35 to 40 year terms. Best for long holds.

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Rural Development

USDA Programs

Up to 90% guarantee for rural multifamily housing through the USDA 538 program.

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SBA Programs

Small Business Administration loans for owner-users, working capital, and franchise financing.

Up to $5M

SBA 7(a)

The most common SBA loan, for real estate, equipment, working capital, and debt refinancing.

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Up to $5.5M

SBA 504

Long-term, fixed-rate financing for major fixed assets, ideal for owner-occupied CRE.

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Up to $50,000

SBA Microloans / CDFI

For underserved small businesses and startups that struggle to qualify for conventional loans.

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Green / C-PACE

Sustainable financing for energy efficiency, renewable energy, and water conservation improvements.

Up to 100% Project Cost

C-PACE Financing

Repaid as a property tax assessment. Long terms (10 to 30 years), no personal guarantee required.

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Federal & State Programs

EPA Green Loan Programs

EPA brownfield RLF, state green banks, and USDA REAP for energy upgrades and sustainability.

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Working Capital & Equipment

Business operating capital, equipment purchases, and alternative business financing.

$25K, $5M

Working Capital / LOC

Unsecured or lightly secured lines of credit and term loans for operating businesses.

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$10K, $5M+

Equipment Financing

Any equipment, vehicles, heavy machinery, medical, technology. Approvals in 24 to 72 hours.

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70 to 90% Advance Rate

Accounts Receivable Financing

Turn outstanding invoices into cash within 24 to 48 hours. Based on your customers' credit.

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Not Sure Which Program is Right for You?

Our loan officers will guide you to the best option for your project, at no cost.

Have a question?

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