Commercial Loan Options
$250K
Minimum Loan Amount
Up to 75%
LTV
Up to 30 year
Amortization
Institutional Commercial Debt Placement. Nationwide Distribution.
RCA Capital engineers tailored capital solutions for non-residential commercial real estate acquisitions, capital restructuring, and portfolio optimization. We leverage an elite lending network to clear the market and deliver unmatched terms for sophisticated sponsors.
Navigating the Commercial Debt Ecosystem
Capital Engine
Target Profile
Structural Strengths
Commercial Banks
(Local, Regional, & National)
- Best for transitional assets, construction-to-perm, or regional owner-users.
- Relies heavily on regional economic data and sponsor relationship strength.
- Highly flexible prepayment options (e.g., declining step-downs).
- Fast operational turnaround.
- Ability to handle complex structural nuances locally.
CMBS Conduits
(Wall Street Securitized Pools)
- Best for stabilized, high-volume retail, hospitality, industrial, and office assets.
- Underwritten strictly on property cash-flow parameters.
- Fully Non-Recourse structural execution.
- Maximized cash-out refinancing capabilities.
- Highly competitive fixed interest rates over 5, 7, or 10-year terms.
Life Insurance Companies (LifeCos)
- Reserved for institutional-grade, class-A stabilized assets.
- Focuses on long-term holds with conservative leverage profiles.
- One of the the lowest long-term fixed rates in the capital markets.
- Exceptionally long rate-lock periods (up to 20-30 year terms).
- Flexible amortization schedules and interest-only structures.
Navigating the Commercial Debt Ecosystem
Commercial Banks
(Local, Regional, & National)
Target Profile
- Best for transitional assets, construction-to-perm, or regional owner-users.
- Relies heavily on regional economic data and sponsor relationship strength.
Structural Strengths
- Highly flexible prepayment options (e.g., declining step-downs).
- Fast operational turnaround.
- Ability to handle complex structural nuances locally.
CMBS Conduits
(Wall Street Securitized Pools)
Target Profile
- Best for stabilized, high-volume retail, hospitality, industrial, and office assets.
- Underwritten strictly on property cash-flow parameters.
Structural Strengths
- Fully Non-Recourse structural execution.
- Maximized cash-out refinancing capabilities.
- Highly competitive fixed interest rates over 5, 7, or 10-year terms.
Life Insurance Companies
(LifeCos)
Target Profile
- Reserved for institutional-grade, class-A stabilized assets.
- Focuses on long-term holds with conservative leverage profiles.
Structural Strengths
- The absolute lowest long-term fixed rates in the capital markets.
- Exceptionally long rate-lock periods (up to 20-30 year terms).
- Flexible amortization schedules and interest-only structures.
Explore Our Commercial Loan Programs
Every commercial real estate project has unique financing needs. RCA Capital offers a comprehensive suite of lending solutions for acquisitions, refinances, recapitalizations, and new developments. Through our nationwide network of lending partners, we help borrowers secure competitive financing tailored to their investment goals.
Asset Classes & Transaction Scope
- Eligible Property Types: Light and Heavy Industrial, Distribution Warehouses, Anchored and Unanchored Retail Centers, Class-A/B Office Buildings, Hospitality, and Mixed-Use properties.
- Transaction Volume: Middle-market and institutional allocations up to $75,000,000 plus.
- Amortization Curves: Flexible 25-to-30-year schedules with partial or full Interest-Only (I/O) execution periods based on debt service coverage ratios (DSCR).
- Loan-to-Value (LTV): Up to 75% LTV for core commercial bank asset plays; optimized to maximize total dollar leverage.
- Sponsorship Guarantees: Both Recourse (Bank) and Non-Recourse (CMBS & LifeCo) debt structures available depending on sponsor profile and asset stabilization.
Our Capital Distribution Is Your Leverage
If you approach a single local bank for a $10M industrial acquisition, you are completely at the mercy of their current liquidity pools, geographic concentration limits, and rigid internal underwriting filters. If they pass, your deal stalls.
RCA Capital operates as your dedicated capital markets desk. We don’t try to fit your complex commercial deal into a pre-packaged bank box. Instead, we perform an asset-level diagnostic on your property, analyze the submarket’s net operating income (NOI) trends, and position your asset for most favorable terms among our network of national banks, Wall Street CMBS conduits, and elite Life Insurance funds.
We make institutional capital sources compete for your debt stack—driving down interest margins, optimizing loan structures, and ensuring an absolute certainty of execution at the closing table.
Frequently Asked Questions
Common questions about our commercial loan programs.
What types of commercial properties are eligible for financing?
We finance a wide range of commercial real estate, including office buildings, industrial facilities, warehouses, retail centers, medical offices, mixed-use developments, hospitality properties, and multifamily investment properties. Eligibility depends on the property’s condition, occupancy, and investment profile.
How much can I borrow for a commercial real estate loan?
Loan amounts typically start at $250,000 and vary based on the property’s value, cash flow, and borrower qualifications. Financing is available for acquisitions, refinancing, recapitalizations, and new developments.
What loan-to-value (LTV) ratio can I expect?
Qualified borrowers may obtain financing of up to 75% loan-to-value (LTV), depending on the property type, occupancy, and lender guidelines. Higher leverage may be available for certain investment scenarios.
What repayment terms are available?
Commercial loan programs offer flexible repayment options with amortization periods of up to 30 years. Depending on the financing program, borrowers may also qualify for interest-only periods or fixed-rate financing.
How do I know which commercial loan program is right for my project?
The ideal financing solution depends on your property’s asset class, investment strategy, and financial goals. Our team evaluates your project and connects you with the most suitable lending source—whether that’s a commercial bank, CMBS lender, life insurance company, or another institutional capital provider.
Unlock the Full Potential of Your Commercial Investment
Whether you’re purchasing, refinancing, or expanding your commercial real estate portfolio, our institutional lending solutions provide competitive financing tailored to your investment goals.
Free consultation. No obligation.
