RCA-Capital

RCA-Capital RCA Capital is a private nationwide real estate lender and debt & equity advisory company.

As a direct private real estate lender, we provide short-term & long-term financing solutions for real estate investors.

$8 MILLION. ONE HOTEL. A SMARTER DEBT STRATEGY. RCA Capital recently arranged an $8,000,000 cash-out refinance for a 109...
09/04/2026

$8 MILLION. ONE HOTEL. A SMARTER DEBT STRATEGY.

RCA Capital recently arranged an $8,000,000 cash-out refinance for a 109-room hotel in Paramus, NJ.

The property owner was carrying an expensive short-term bridge loan with high interest costs.

RCA Capital helped restructure the debt by replacing the bridge financing with a longer-term conventional solution—resulting in:
✅ Reduced monthly debt service
✅ Improved property cash flow
✅ Access to additional equity through cash-out proceeds
✅ A more sustainable long-term capital structure

The right financing strategy can change the economics of a deal.

Have a commercial property that needs a better debt solution?
📞 1-800-864-8127
📧 [email protected]

CAN YOU FINANCE MULTIPLE PROPERTIES UNDER ONE LOAN?Yes.Blanket DSCR loans can allow qualifying investors to finance mult...
09/02/2026

CAN YOU FINANCE MULTIPLE PROPERTIES UNDER ONE LOAN?

Yes.

Blanket DSCR loans can allow qualifying investors to finance multiple properties under a single loan, potentially simplifying portfolio management.

Instead of managing separate loans and payments for every property, a blanket structure may allow investors to consolidate multiple properties into one financing arrangement.

This can be particularly interesting for investors managing a portfolio of 2–20 properties.

Potential advantages include:

✅ One loan structure
✅ One payment
✅ Simplified portfolio management
✅ DSCR-based qualification
✅ Potentially easier portfolio expansion

If you're managing multiple rental properties, it may be worth exploring whether a blanket DSCR structure fits your investment strategy.

📞 1-800-864-8127
📧 [email protected]

In the fix & flip business, speed isn't a luxury. It's a competitive advantage.The right property won't wait for slow fi...
08/31/2026

In the fix & flip business, speed isn't a luxury. It's a competitive advantage.

The right property won't wait for slow financing.

RCA Capital's Fix & Flip Loans offer investors:
✔️ Up to 95% LTC
✔️ Up to 100% of rehab costs
✔️ Closings in as little as 7–10 business days
✔️ Interest-only payment on funds used
✔️ 9–18 month terms

Find the deal. Secure the capital. Start the transformation.

Buy. Rehab. Sell. Repeat.
📞 (800) 864-8127
📩 [email protected]

Although the bank said no. Your deal might still be financeable.That's where private real estate lending can make a diff...
08/28/2026

Although the bank said no. Your deal might still be financeable.

That's where private real estate lending can make a difference.

Private lenders can provide:
✔️ Faster closings
✔️ More flexible underwriting
✔️ Financing across multiple property types
✔️ Solutions for unique investment scenarios

Instead of forcing every deal into the same box, private lending looks at the property, the opportunity, and the overall deal structure.

Your deal. Your timeline. Our job is to make it possible.
📞 (800) 864-8127
📩 [email protected]

$1.116M SBA 7(a) loan. 100% financing. 25-year term.This is what the right financing strategy can look like.RCA Capital ...
08/26/2026

$1.116M SBA 7(a) loan. 100% financing. 25-year term.

This is what the right financing strategy can look like.

RCA Capital recently secured an SBA 7(a) real estate purchase loan in Haltom City, TX. at 100% of the purchase price.

SBA 7(a) financing can be used for:
✔️ Owner-occupied real estate
✔️ Business acquisitions
✔️ Working capital
✔️ Equipment purchases
✔️ Debt refinancing

With loan amounts up to $5M, the right capital structure can give business owners the room to acquire, grow, and operate with confidence.

Have a business acquisition or commercial real estate opportunity on the horizon?

📞 (800) 864-8127
📩 [email protected]

YOUR REAL ESTATE COULD BE MORE THAN AN INVESTMENT. IT COULD BE YOUR SOURCE OF CAPITAL.Traditional financing isn't always...
08/24/2026

YOUR REAL ESTATE COULD BE MORE THAN AN INVESTMENT. IT COULD BE YOUR SOURCE OF CAPITAL.

Traditional financing isn't always the best fit for every investor.

Asset-based real estate lending focuses primarily on the strength of the collateral, giving qualified borrowers another way to access capital.

Potential advantages include:

🔹 Minimal Documentation — A streamlined process focused primarily on the property.

🔹 Speed to Close — Qualified transactions may close in as little as 7 days after appraisal.

🔹 Flexible Underwriting — Financing decisions can consider the property and overall deal structure.

🔹 Equity Access — Unlock capital tied to your real estate without relying solely on traditional income verification.

🔹 Multiple Uses — Funds may be used for acquisitions, refinancing, cash-out, debt consolidation, or business capital.

Your property has value. The question is how you can put that value to work.

📞 1-800-864-8127
📧 [email protected]

REAL RESULTS. REAL RELATIONSHIPS. REAL CLIENTS.When investors choose a commercial real estate financing partner, experie...
08/20/2026

REAL RESULTS. REAL RELATIONSHIPS. REAL CLIENTS.

When investors choose a commercial real estate financing partner, experience matters.

Jesus Flores shared his experience working with RCA Capital:

“Excellent service to detail! RCA CAPITAL is a pleasure to work with! Don’t wait call today.”

For us, every transaction is more than a loan. It's about understanding the deal, identifying the right financing strategy, and helping investors move toward their next opportunity.

Your next deal could be the one that changes your portfolio.

📞 1-800-864-8127
📧 [email protected]

YOUR APARTMENT PROPERTY DESERVES THE RIGHT FINANCING STRATEGY.For multifamily investors, the right loan structure can ma...
08/17/2026

YOUR APARTMENT PROPERTY DESERVES THE RIGHT FINANCING STRATEGY.

For multifamily investors, the right loan structure can make a significant difference in long-term cash flow and portfolio growth.

RCA Capital offers apartment financing designed for stabilized multifamily properties, with potential benefits including:
🔹 Lowest fixed-rate in the industry
🔹 Long-term financing structures
🔹 Non-recourse
🔹 Flexible interest-only options
🔹 30-year amortization
🔹 Financing built specifically for multifamily investors

Whether you're acquiring, refinancing, or positioning a property for long-term growth, the financing structure matters.

📞 1-800-864-8127
📧 [email protected]

Choosing the wrong loan can cost far more than choosing the right lender.Commercial financing isn't one-size-fits-all.Di...
08/14/2026

Choosing the wrong loan can cost far more than choosing the right lender.

Commercial financing isn't one-size-fits-all.

Different loan programs offer unique advantages depending on:
• Property type
• Investment goals
• Loan size
• Timeline
• Exit strategy

At RCA Capital, we work across multiple lending platforms to help clients secure financing that aligns with their objectives—not just what's available.

Let's build the right capital solution for your project.
📞 1-800-864-8127
📧 [email protected]

SBA Loan FAQ: What Are Prepayment Penalties?If you're considering SBA financing, understanding the loan terms is just as...
08/12/2026

SBA Loan FAQ: What Are Prepayment Penalties?

If you're considering SBA financing, understanding the loan terms is just as important as securing approval.

Here's what every borrower should know:
SBA 7(a) Loans
Prepayment penalties apply only during the first three years:
• 5% in Year 1
• 3% in Year 2
• 1% in Year 3

SBA 504 Loans
The CDC portion includes a declining prepayment penalty over the first 10 years.

These guidelines are designed to encourage long-term financing while still providing flexibility as your business grows.

Before choosing an SBA loan, make sure you understand how repayment terms could affect your future plans.

Our team is happy to walk you through every detail.
📞 1-800-864-8127
📧 [email protected]

Address

700 Broadway, Suite 214
Westwood, NJ
07675

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 1pm

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