Add Commercial Loans to Your Pipeline This Month
Several of your residential clients already own investment property. You're not getting paid on those opportunities. Originate commercial loans alongside your residential practice, no NMLS change in most states, and earn on every funded deal.
Everything You Need to Originate Commercial Loans
We supply the lender network, platform, and support. You supply the clients and the hustle.
Full Platform Access
Submit and manage applications through our technology platform. Track every document, status update, funder submission, and term sheet in one place.
Access to 100+ Lenders
You don't need your own lender relationships. Submit deals into our curated network and let our loan officers match you to the best programs.
Earn Up to 100 BPS per Deal
Loan originators earn up to 100 bps (50% of our standard 2% origination fee) on every funded deal they close. Because you gather client info and organize the application, you earn a higher split than a simple referral. Rates are agreed upfront and paid promptly at funding.
Guided Deal Process
Our platform walks you and your clients through every step, document collection, property data, underwriting, funder submission, and closing.
Training & Resources
New to commercial lending? We provide product training, loan guides, and a dedicated support team to help you grow your commercial practice.
Client-Facing Portal
Your clients get their own secure borrower portal to upload documents, sign agreements, review term sheets, and track their loan status.
How It Works
Register & Get Approved
Submit your originator registration. We review and approve within 1 to 2 business days.
Submit Your First Deal
Enter your client's application into our platform. Our checklist guides you through every requirement.
Loan Officer Support
A senior loan officer reviews your submission and helps you position the deal for the best outcome.
Funder Matching & Submission
We match your deal to the right lenders in our network and submit a fully packaged loan application.
Close & Earn
Your deal closes. Your commission is processed and paid promptly. Track everything from your dashboard.
Originators Are Closing Commercial Deals Without Building Their Own Lender Network
Here's what loan originator partners say about working with RPA.
"I was already working with residential clients who owned investment property. RPA gave me the lender network and training to originate those commercial deals myself."
— Loan Originator, California
"The training academy taught me to read financial statements like a banker. I close more commercial deals now because I can actually underwrite them upfront."
— Mortgage Broker, Illinois
"100 bps on every funded deal, paid promptly at closing. I didn't have to build my own lender relationships, RPA already had 100+ lined up."
— Loan Originator, Georgia
Who Can Become a Loan Originator?
Licensing requirements vary by state and loan type. Our team will help you understand what applies to your situation.
Parker School of Business
All RPA Commercial Loans loan originators get free access to our university-level accounting program. Understand financial statements, EBITDA, cash flow, and ratios like a banker, knowledge that directly makes you a better originator.
Basic Accounting (Part 1)
Accounting equation, double-entry bookkeeping, journal entries, balance sheet, income statement, payroll. 12 chapters + capstone practical.
Advanced Accounting (Part 2)
Cash flow analysis, EBITDA, financial ratios, cost accounting, present value, auditing, and reading financials like a lender. 11 chapters.
Hands-On Ledger Workbook
Practice with a real company, Buffy's Bakeshop LLC, entering transactions and watching live financial statements update in real-time.
Open to all users · No prerequisites · Earn a certificate upon completion
More specialized business courses coming soon, including entity structuring, insurance planning, and tax optimization for commercial borrowers.
RPA Commercial Lending Training Academy
We don't just give you access to lenders. We train you to think like a forensic accountant, underwrite like a senior loan officer, and market like a world-class sales professional. Twelve comprehensive modules with quizzes at each stage.
Foundations of Commercial Lending
Credit reports, FCRA/FDCPA, FICO models, cap rates, appraisal methodology, lease types, and purchase contracts.
Types of Commercial Lenders
Banks, life companies, Fannie/Freddie, FHA/HUD, REITs, family offices, CMBS, bridge lenders, hard money, and SBA.
1031 Exchanges, Complete Guide
IRC §1031 rules, 45/180-day deadlines, boot, DST structures, UPREIT exchanges, reverse exchanges, and foreign property rules.
Commercial Property Types
Every property type, SFR to industrial, with underwriting criteria, classification standards, and environmental requirements.
Construction Loans Deep Dive
Draw mechanics, LTC vs. LTV, HUD 221(d)(4), SBA construction, and property-type-specific strategies including farms and specialty use.
Reading Financial Statements
P&L normalization, balance sheet ratios, cash flow analysis, EBITDA calculation, and Work in Process (WIP) for contractor borrowers.
Reading Tax Returns (1040/1120/1065)
Line-by-line analysis of personal, corporate, and partnership returns. Schedule C, E, K-1, depreciation recapture, passive activity rules, and ordering IRS transcripts via Form 4506-C.
Business Valuations
Income, market, and asset approaches. DCF, EV/EBITDA multiples, SDE, how to spot inflated valuations, and SBA valuation requirements.
Reading Appraisals & Environmental Reports
USPAP/FIRREA compliance, three approaches to value, comp analysis, Phase I/II/III ESAs, RECs, and lender protocol for contaminated sites.
Platform & CRM Training
Step-by-step platform navigation, application submission workflow, borrower portal, CRM pipeline stages, activity logging, and follow-up systems.
Prospecting & Client Development
7 prospecting channels, cold calling scripts, email sequences, LinkedIn outreach, objection handling, follow-up discipline, and personal brand building.
Business Entity Types
LLCs, LLPs, S-Corps, C-Corps, PCs, LPs, trusts, and estates, the entity types eligible for commercial financing. Covers formation, tax treatment, liability, and lending implications. Note: RPA Commercial Loans can only originate commercial loans to registered legal entities; sole proprietorships and non-registered partnerships do not qualify. Also covers FinCEN BOI voluntary reporting.
Each module includes in-depth reading content, real-world examples, and a scored quiz. Complete all modules to earn your RPA Commercial Lending Professional certification.
The full course is available to approved loan originators. Preview the introduction now without registering.
Your First Commercial Deal Is Closer Than You Think
Free to join, 10 minutes to register. We supply the lender network, platform, training, and support, you bring the clients. Ask one question this week and find your first deal.
Originators are external partners today. As our network grows, we'll offer an exclusive tier with your own ad page on our site, access to our email and phone systems, and more.
Built-In CRM, Your Pipeline, Organized
Every approved loan originator gets access to a full-featured Customer Relationship Management (CRM) system built directly into the RPA platform, no third-party tools needed.
- ✓Track every prospect from first contact through funded deal
- ✓Log calls, emails, meetings, and notes with a full activity history
- ✓Set follow-up reminders so no lead falls through the cracks
- ✓View your full pipeline status at a glance from your dashboard
- ✓Receive inbound leads assigned to you based on your local market
Our Affiliated Partners
Need Help Getting Started?
Our parent company and affiliated advisor are here to help with formation and taxes.
Ready to register? Confirm your details and we'll pre-fill the form.
By registering as a loan originator, you agree to our platform's Terms of Use and Privacy Policy, including provisions governing CRM data usage, lead non-circumvention, and contact information handling. Please review both documents before registering.