Short-term bridge loan · Midwest
Bridge loans for multifamily and commercial buildings across the Midwest
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Duplexes to 40-unit buildings, strip retail, small office, flex and warehouse — commercial real estate with equity and a plan. We bridge the gap between the opportunity and the permanent lender: buy before the bank is ready, stabilize occupancy, finish the rehab, then refinance or sell.
Deal check · live
No credit pullLoan-to-value
60%
Your equity
40%
Rates from
9%
Your deal fits what we fund
40% equity · within our size and term range. If the documents line up, we can close fast.
Rates 9%–24% depend on amount, structure, valuation, borrower, timing and due date. Your quote follows review — not a commitment to lend.
What we look at
How we underwrite multifamily & commercial.
- Value today and value at stabilization, with the rent roll and comps that support it
- Occupancy, lease terms and deferred maintenance
- Your renovation or lease-up budget and timeline
- Exit: agency / bank refinance at stabilization, or sale
Typical deals
Where this loan fits.
- Closing on an under-managed apartment building before a bank can underwrite it
- Bridging a vacant or half-leased retail or office building through lease-up
- Paying off a balloon or a lender that pulled out at the last minute
- Cash-out on a stabilized building to buy the next one
Where we lend
Multifamily & commercial loans by state.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
Borrowers on RECO
“Checked the deal on a Tuesday, had a quote Thursday, closed the duplex in nine days. The bank was still asking for tax returns.”
Sample · M. Alvarez · Investor · Kansas City, MO · $340K purchase bridge
Sample testimonials — replace with verified reviews before launch.
Why private capital
RECO vs. the bank
Questions
Straight answers.
Anything where the loan fits our published range — from a small multifamily to mid-size commercial buildings. Larger requests are reviewed case by case.