Fast closing.
Flexible underwriting.
Your deal, your terms.
We're a relationship-first lender that moves at your speed. Submit your complete application and documentation, and receive a conditional pre-approval within 1-3 business days. Close in as little as 7-14 business days from complete file.
$4.7T
U.S. Commercial RE Lending Market*
$890B+
Bridge & Private Capital Deployed Annually*
7-14 Days
From Complete File to Funding
12+
Loan Programs Available
*Industry market data sourced from Federal Reserve, MBA, and CBRE reports. Figures represent aggregate U.S. market activity, not RECO Capital origination volume.
Why Borrowers Choose Us
A lender that actually understands your business.
We started RECO Capital because we saw borrowers getting ignored by banks and burned by transactional lenders. We do things differently.
Fast Pre-Qualification
Submit your application with complete documentation and receive a conditional pre-approval within 1-3 business days.
We Look Beyond Credit Scores
Your deal matters more than your FICO. We underwrite the asset and the opportunity, not just the paperwork.
Dedicated Advisor
One point of contact who knows your deals, your goals, and picks up the phone when you call.
Transparent Terms
No hidden fees, no surprises at closing. What we quote is what you get. Period.
Loan Programs
12 Specialized Programs. One Lender.
Whether you need a bridge loan, construction financing, or industry-specific capital, we have a program built for your deal.
Real Estate & Investment
Business & Industry-Specific
How It Works
From application to funding in 4 steps
Apply
Complete our streamlined online application. Within 30 minutes you'll receive your personalized document checklist.
Submit Documents
Upload all required documentation — financials, property details, entity docs. The faster you submit, the faster we move.
Conditional Pre-Approval
Once your complete file is received, our team issues a conditional pre-approval within 1-3 business days.
Close & Fund
After all conditions are cleared, close in as little as 7-14 business days from complete file.
Our Promise
"We built RECO Capital because borrowers deserve a lender who moves at their speed — not the other way around."
— RECO Capital Founding Team
No hidden fees
No prepayment penalties
Transparent from day one
Ready to move?
Apply today — no obligation, no credit impact. Submit your application and receive your personalized document checklist within 30 minutes. Our team reviews every deal personally.