Short-term bridge loan · Midwest

Bridge loans for truck stops and travel centers across the Midwest

From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts

Truck stops and travel centers along the Midwest interstates are large, land-heavy properties banks take months to underwrite. We value the real estate — acreage, fueling islands, buildings, parking — confirm the exit and fund, so you can close before the opportunity moves on.

Deal check · live

No credit pull
Property value$500,000
Loan amount$300,000
$50,000$1,000,000 max

Loan-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 truck stops.

  • Land and improvement value, including truck parking acreage and canopy
  • Environmental status of fuel systems and any open items
  • Fuel brand / supply and ancillary income (showers, restaurant, scales, repair)
  • Exit: SBA, CMBS or conventional refinance, or sale

Typical deals

Where this loan fits.

  • Acquiring an interstate travel center from a retiring operator
  • Paying off a maturing loan on an owned truck stop
  • Cash-out to add truck parking, a restaurant or a brand conversion
  • Buying highway-commercial land with an existing fuel structure for redevelopment

0+

Deals reviewed

~1 in 4

Deals we fund

0 days

Average close (approved)

0%

Repeat borrowers

Illustrative figures · updated before launch

No hard credit pull to see terms Bank-grade 256-bit encryption Plaid-verified banking · Business-purpose loans only

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

 
RECO Capital
Traditional bank
Time to a yes or no
Days — we tell you fast
45–90 days
Credit check to see if you fit
None — deal check first
Hard pull up front
Who you deal with
Private capital · one deal desk
Broker → committee → bank
What we underwrite
The real estate, the equity and the exit
Tax returns, DTI, seasoning
Deal structure
Interest-only, balloon, draws, cross-collateral
Rigid programs
Track progress
Live 7-step portal
Phone calls & email chains

Questions

Straight answers.

Within our published range for the first loan; larger properties can be structured with additional collateral or reviewed individually.