Commercial
Value-add and special situations a bank won't touch.
From 8.49% · up to 70% LTV · 12–36 months · $250K–$25M · 1.5–3 pts
Retail, office, industrial and mixed-use, including value-add and special situations.
Every request is reviewed by our deal desk. We fund a limited number of deals and say no quickly when it isn't a fit — business-purpose, non-owner-occupied real estate only.
Indicative terms · live
No credit pullRate range
8.49%–9.74%
Interest-only / mo
$5,306–$6,088
Points
1.5–3
Close in
~7 days
Indicative only — not a commitment to lend. Final terms follow underwriting.
What you get
Built into every loan.
01
See every step with check marks
Application, quote, due diligence, 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.
Deal journey · RECO-DEMO-4A1F
$1,250,000 · Documents & E-Sign
71%
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
RECO-DEMO-9C2B
$620,000 · Fix & Flip
SFR flip · Phoenix, AZ · Started Oct 16, 2026
28%
Step 3 of 7
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
Your next step · Due Diligence
Finish your checklist (5/9)
5 of 9 required items done
02
Due diligence without the email chains
Connect your bank with Plaid, upload checklist items inline, and watch the progress bar move. Your loan officer is notified instantly.
Deal journey · RECO-DEMO-4A1F
$1,250,000 · Documents & E-Sign
71%
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- 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.
Deal journey · RECO-DEMO-4A1F
$1,250,000 · Documents & E-Sign
71%
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
Ideal for
Where Commercial fits best.
- Retail & mixed-use
- Office repositioning
- Industrial / flex
- Note purchases & partial releases
Deal journey · RECO-DEMO-4A1F
$1,250,000 · Documents & E-Sign
71%
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- Funding
RECO-DEMO-9C2B
$620,000 · Fix & Flip
SFR flip · Phoenix, AZ · Started Oct 16, 2026
28%
Step 3 of 7
- Apply
- Quote
- Diligence
- Underwriting
- Terms
- E-Sign
- 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
Borrowers on RECO
“Indicative terms in under a minute, final terms in six days. We closed a 12-unit before the bank even returned our call.”
Sample · M. Alvarez · Multifamily investor · Austin, TX · $1.4M bridge
Sample testimonials — replace with verified reviews before launch.
Why private capital
RECO vs. the bank
FAQ
Straight answers.
No — and we say so up front. We review every request personally and fund a limited number of deals that fit our criteria: real collateral, a sponsor with cash in the deal, and a clear exit. If it isn't a fit, you'll hear it within days, not after weeks of paperwork.