Speed. Certainty. Execution.
Asset-based hard money lending for real estate investors who need fast, reliable capital. We focus on the deal, not the paperwork.
24 hrs
Decision turnaround
7 days
Average close time
99%
Deals funded on time
Why RECO Capital
We specialize in hard money financing
Asset-Based, Not Credit-Based
We underwrite the deal and the property, not just your FICO score. Strong collateral and a solid plan are what matter most.
Close When Banks Cannot
Traditional banks have strict criteria and slow timelines. We provide certainty of execution when speed matters.
Transparent Terms
No hidden fees, no surprises at closing. Our terms are straightforward and explained upfront.
Relationship-Driven
We are not a faceless online lender. You get a dedicated advisor who knows your deals and your goals.
Common Use Cases
- Time-sensitive real estate acquisitions
- Properties that do not qualify for bank financing
- Borrowers with non-traditional income documentation
- Bridge to conventional or agency refinance
- Experienced investors seeking speed and reliability
- Distressed property purchases
Our Process Timeline
How It Works
Your path to funding
Every application goes through our full process. Terms are determined by your unique profile, credit, business history, and deal specifics.
Quick Application
Tell us about the property, the deal, and what you need.
Same-Day Evaluation
We assess the property value and deal structure within hours.
Asset-Based Underwriting
Focus on the collateral and deal merit, not bureaucratic checkboxes.
Clear Terms
Straightforward terms with no hidden costs. You know exactly what you are paying.
Fast Fund
Close quickly with certainty. Funds wired on schedule.
Get Started
Request Your Pre-Qualification
Fill out the form below and our team will send your personalized document checklist within 30 minutes. No obligation, no impact on your credit.
FAQ
Common Questions
Ready to discuss your hard money financing?
Apply in under 10 minutes. No obligation. Terms based on your unique profile.
Start Your Application