Commercial capabilities.  RECC provides short- and long-term fixed rate financing for all types of commercial properties including investment real estate and owner-user commercial real estate.

We know investment real estate. From acquisition & development loans to permanent take-out financing, we provide a full array of investment and owner-user commercial real estate loan programs.

We understand the issues and challenges real estate investors face in today's changing market. With a focus on existing stabilized commercial real estate, our CORE Commercial loan programs give borrowers the ability to maximize the potential of their CRE holdings.

Program Advantages

Purchase, refinance, sale & leaseback, and 1031 Exchanges

Leverage up to 75% LTV / 90% LTC

TI / LC's and Rent Reserves are commonly waived

In-house underwriting

Fixed rate and Adjustable Rate loans with fixed rate terms up to 10 years

Graduated stepdown prepayment structure

CORE Commercial (Office / Industrial / Retail)

This program is designed for the acquisition or refinance of commercial single-use and multi-use properties. The interest rate is fixed for the entire loan term. The loan amount may be up to 85% of the purchase price (or outstanding debt for refi's) plus transaction costs and proposed repairs. For cashout refi the max LTV is 80%.

The maximum LTV for investor (non-owner occupied) properties is 60%.

  Commercial Investor Program At-A-Glance

  SBA 7(a) At-A-Glance

  SBA 504 At-A-Glance

We also offer a full line of SBA loans for owner-occupied real estate and businesses.  more>