RECO CapitalRECO Capital

Short-term bridge loan · Cash-out on equity

Unlock the equity in real estate you already own.

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

Unlock equity in real estate you already own for another deal, a business need or a time-sensitive opportunity.

Every request is reviewed by our deal desk. Any category of real estate — investment, business or personal — as long as there is real equity and a clear exit. We fund a limited number of deals and say no quickly when it isn't a fit.

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 you get

Built into every loan.

Equity you already own
Any property type
Business or personal use
Interest-only
Pay off early without drama
Up to ~70% of value
3–24 months
E-sign closing
Portal tracking

01

See every step with check marks

Application, quote, verification, underwriting, final terms, e-sign, funding — each step turns green when done and tells you exactly what is next and who it is waiting on.

portal.reco.capital/my-applications

Deal journey · RECO-DEMO-4A1F

$1,250,000 · Documents & E-Sign

71%

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

RECO-DEMO-9C2B

$620,000 · Fix & Flip

SFR flip · Phoenix, AZ · Started Nov 1, 2026

28%

Step 3 of 7

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

Your next step · Due Diligence

Finish your checklist (5/9)

5 of 9 required items done

02

Verification without the email chains

Verify your ID, connect your bank with Plaid, confirm your details and upload only what we could not verify automatically. Your loan officer is notified instantly.

portal.reco.capital/my-applications

Deal journey · RECO-DEMO-4A1F

$1,250,000 · Documents & E-Sign

71%

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

03

Final terms locked and signed online

After underwriting, terms are locked, signed with a typed e-signature, auto-pay is enrolled from a verified account, and funds wire to closing.

portal.reco.capital/my-applications

Deal journey · RECO-DEMO-4A1F

$1,250,000 · Documents & E-Sign

71%

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

Ideal for

Where a cash-out on equity fits best.

  • Down payment on the next deal
  • Business working capital against property
  • Paying off partners or settling an estate
  • Bridging to a sale or refinance
Purchase bridge →Fix & flip / renovation →Refinance / pay off a maturing loan →
portal.reco.capital/my-applications

Deal journey · RECO-DEMO-4A1F

$1,250,000 · Documents & E-Sign

71%

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

RECO-DEMO-9C2B

$620,000 · Fix & Flip

SFR flip · Phoenix, AZ · Started Nov 1, 2026

28%

Step 3 of 7

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

Your next step · Due Diligence

Finish your checklist (5/9)

5 of 9 required items done

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

FAQ

Straight answers.

One thing, done well: short-term bridge loans from $50,000 to $1,000,000, for 3 to 24 months, secured by real estate with real equity. Purchases, fix & flip or renovation, cash-out on property you own, or paying off a maturing loan — any property type, as long as the dots connect.