Loan Programs

Loan Programs

Commercial real estate financing as our primary program, alongside residential investor financing for non-owner-occupied 1–4 unit properties. Loan amounts from $500,000 to $10,000,000.

residential (1-4 units)

1–4 Unit Residential DSCR

Cash flow-based financing for investor-owned rental properties.

Starting Rate

6.50%

Max Leverage

80% LTV

Loan Amount

$500K – $10M

Term

30 years

Amortization

30-year fixed or ARM

Recourse

Non-recourse available

Property Types

Single-Family2-4 UnitCondosTownhomes

Key Features

  • •Underwritten to property cash flow
  • •Business-purpose, non-owner-occupied
  • •DSCR-based qualification
  • +5 more features
residential (1-4 units)

Residential Fix & Flip

Short-term capital for acquisition, renovation, and resale execution.

Starting Rate

8.75%

Max Leverage

90% Cost / 70% ARV

Loan Amount

$500K – $10M

Term

12-24 months

Amortization

Interest-only

Recourse

Full recourse

Property Types

Single-Family2-4 UnitCondos

Key Features

  • •Up to 90% of cost / 70% ARV
  • •Loan amounts up to $10 million
  • •12-24 month terms
  • +3 more features
residential (1-4 units)

Ground-Up Construction

Ground-up capital for new construction and development execution.

Starting Rate

9.50%

Max Leverage

90% LTC

Loan Amount

$500K – $10M

Term

12-36 months

Amortization

Interest-only (draw schedule)

Recourse

Full recourse

Property Types

Single-FamilySmall MultifamilySpec Homes

Key Features

  • •Up to 90% Loan-to-Cost (LTC)
  • •Loan amounts up to $10 million
  • •Interest reserves available
  • +3 more features
commercial

Commercial Permanent

Permanent financing for investor-owned commercial real estate.

Starting Rate

8.50%

Max Leverage

75% LTV

Loan Amount

$500K – $10M

Term

5-30 years

Amortization

Up to 30-year amortization

Recourse

Non-recourse available

Property Types

OfficeRetailMixed-UseIndustrial

Key Features

  • •Loan amounts up to $10 million
  • •Unlimited cash out
  • •Amortization up to 30 years
  • +2 more features
commercial

SBA 7(a)

SBA-guaranteed financing for owner-occupied commercial real estate and business acquisition.

Starting Rate

Prime + 2.00%

Max Leverage

90% LTV

Loan Amount

$500K – $10M

Term

10-25 years

Amortization

Fully amortizing

Recourse

Full recourse (personal guaranty required)

Property Types

Owner-Occupied CommercialBusiness Acquisition

Key Features

  • •SBA-guaranteed structure
  • •Up to 90% LTV
  • •Owner-occupied real estate or business acquisition
  • +2 more features
commercial

SBA 504

SBA CDC-backed financing for owner-occupied commercial real estate and equipment.

Starting Rate

7.75% Blended

Max Leverage

90% LTV

Loan Amount

$500K – $10M

Term

20-25 years

Amortization

Fully amortizing

Recourse

Full recourse (personal guaranty required)

Property Types

Owner-Occupied CommercialEquipment

Key Features

  • •Below-market blended fixed rate
  • •Up to 90% LTV via CDC/bank structure
  • •Owner-occupied real estate or heavy equipment
  • +2 more features

Compare Loan Programs

ProgramStarting RateMax LeverageLoan AmountTermAmortizationRecourse
1–4 Unit Residential DSCR6.50%80% LTV$500K – $10M30 years30-year fixed or ARMNon-recourse available
Residential Fix & Flip8.75%90% Cost / 70% ARV$500K – $10M12-24 monthsInterest-onlyFull recourse
Ground-Up Construction9.50%90% LTC$500K – $10M12-36 monthsInterest-only (draw schedule)Full recourse
Commercial Permanent8.50%75% LTV$500K – $10M5-30 yearsUp to 30-year amortizationNon-recourse available
SBA 7(a)Prime + 2.00%90% LTV$500K – $10M10-25 yearsFully amortizingFull recourse (personal guaranty required)
SBA 5047.75% Blended90% LTV$500K – $10M20-25 yearsFully amortizingFull recourse (personal guaranty required)

Platform Overview

Institutional Discipline.
Private Credit Execution.

Riverside Park Capital combines disciplined underwriting, structured capital, and responsive execution for sponsors who require certainty in time-sensitive transactions.

Disciplined Timeline

Structured underwriting process with predictable closing timelines for qualified sponsors.

Competitive Terms

Institutional pricing and leverage parameters calibrated to asset quality and sponsor track record.

Reliable Execution

Direct lender with certainty of close on approved transactions.

Submit a Loan Request

Submit your transaction for review. Preliminary terms typically issued within one business day.