RECO CapitalRECO Capital

Short-term bridge loans · backed by real estate · $50K – $1M

Real estate with equity?
We can close fast.

One product, done well: bridge loans of $50,000 to $1,000,000 for up to 24 months, secured by any real estate with real equity — a purchase, a flip or renovation, cash-out on property you own, or paying off a maturing loan. If it fits and the documents are right, approved deals close in as little as 7 days.

  • $50K – $1M · Loan size
  • 3 – 24 months · Shorter preferred
  • Up to ~70% of value · Custom per deal
  • Any real estate · Investment, business or personal
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Private capital · real-estate-backed bridge loans
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Apply · 60-second deal check

No credit pull

By continuing you agree to our Terms and Privacy Policy and to be contacted about your request. Rates from 9%. $50K–$1M · up to 24 months · any real estate with real equity. Not a commitment to lend.

What is the loan for?

Working alongside investors, brokers and closing partners

Meridian TitlePlaidFirst AmericanLone Star InsuranceAppraisal NationDocuSign-grade e-signChase ACHFidelity National

One product

Short-term bridge loans backed by real estate.

$50K to $1M · 3–24 months, shorter preferred · up to ~70% of value, custom per deal · rates from 9%. Any category of real estate — investment, business or personal — as long as there is real equity and a clear exit.

Purchase bridge

Close fast on an acquisition — auction, off-market, 1031 timing or a seller who won't wait for a bank.

from 9% · up to ~70% of value · 3–24 mo · $50K–$1M

Close in as little as 7 daysInterest-only paymentsUp to ~70% of value3–24 monthsAuction & off-market1031 timingNo tax returns to check your dealE-sign closingLive portal tracking
portal.reco.capital/my-applications

Deal journey · RECO-DEMO-4A1F

$1,250,000 · Documents & E-Sign

71%

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

Deal check

Does your deal fit? Find out in 60 seconds.

Move the sliders — we check the size, the equity and the term against what we fund. Rates from 9%; your exact quote depends on amount, structure, valuation, borrower, closing timing and due date. Nothing here touches your credit.

Deal check · live

No credit pull
Property value$500,000
Loan amount$300,000
$50,000$1,000,000 max

Loan-to-value

60%

Your equity

40%

Rates from

9%

Your deal fits what we fund

40% equity · within our size and term range. If the documents line up, we can close fast.

Rates 9%–24% depend on amount, structure, valuation, borrower, timing and due date. Your quote follows review — not a commitment to lend.

Deal analyzer

Pencil the flip in 30 seconds.

Purchase, rehab and after-repair value in — max loan, cash to close, carry and profit out. Then apply for exactly that deal.

Deal analyzer · fix & flip / bridge

Purchase price$450,000
Rehab budget$90,000
After-repair value (ARV)$720,000
Hold period6 mo

Max loan

$486,000

90% LTC · 68% ARV

Cash to close

$68,220

down + 2 pts + closing

Carry cost

$25,491

6 mo interest-only

Est. profit

$97,089

142% cash-on-cash

Assumes 90% LTC / 70% ARV cap, 10.49% IO, 2 pts, $4,500 closing, 6% selling costs. Illustrative only.

0+

Deals reviewed

~1 in 4

Deals we fund

0 days

Average close (approved)

0%

Repeat borrowers

Illustrative figures · updated before launch

No hard credit pull to see terms Bank-grade 256-bit encryption Plaid-verified banking · Business-purpose loans only

Borrowers on RECO

“Checked the deal on a Tuesday, had a quote Thursday, closed the duplex in nine days. The bank was still asking for tax returns.”

Sample · M. Alvarez · Investor · Kansas City, MO · $340K purchase bridge

Sample testimonials — replace with verified reviews before launch.

Why RECO

Six things a bank can't give you.

One product, done well: short-term bridge loans of $50K–$1M backed by real estate. We know exactly what we fund, so we can tell you fast.

portal.reco.capital/my-applications

Deal journey · RECO-DEMO-4A1F

$1,250,000 · Documents & E-Sign

71%

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

RECO-DEMO-9C2B

$620,000 · Fix & Flip

SFR flip · Phoenix, AZ · Started Oct 31, 2026

28%

Step 3 of 7

  1. Apply
  2. Quote
  3. Diligence
  4. Underwriting
  5. Terms
  6. E-Sign
  7. Funding

Your next step · Due Diligence

Finish your checklist (5/9)

5 of 9 required items done

How it works

Seven steps. One portal. You always know what's next.

The same 7-step Deal Journey you'll see in your borrower portal — every step gets a check mark as it's completed.

  1. 1Start here

    Deal check

    60 seconds · no credit pull

  2. 2

    Application

    ~10 minutes · saves as you go

  3. 3

    Deal desk review

    Quote issued only if the deal fits

  4. 4

    Verification & due diligence

    ID check, bank link, documents

  5. 5

    Underwriting

    Equity, value, borrower, exit

  6. 6

    Final terms & e-sign

    Locked terms, sign online

  7. 7

    Funding

    Approved deals wire to closing in as little as 7 days

Works with your closing team

Identity check, bank verification, e-sign, title, insurance and ACH — connected.

ID + selfie verificationPlaid bank linkTyped e-signature (ESIGN/UETA)Title & escrowLender-named insuranceAppraisal / BPOACH auto-payWire to closingDocument AI

Why private capital

RECO vs. the bank

 
RECO Capital
Traditional bank
Time to a yes or no
Days — we tell you fast
45–90 days
Credit check to see if you fit
None — deal check first
Hard pull up front
Who you deal with
Private capital · one deal desk
Broker → committee → bank
What we underwrite
The real estate, the equity and the exit
Tax returns, DTI, seasoning
Deal structure
Interest-only, balloon, draws, cross-collateral
Rigid programs
Track progress
Live 7-step portal
Phone calls & email chains

Are we a match?

We don't fund every deal. Here's what we look for.

We'd rather tell you in 60 seconds than after 60 days. Real estate, real equity, a clear exit, $50K–$1M, 24 months or less. If your deal fits, we can close fast when the documents are right. If it's close but not quite, ask — we adjust to the property.

Loan size$50K – $1M
Term3 – 24 months · shorter preferred
CollateralAny real estate — investment, business or personal
EquityLoan up to ~70% of value · custom per deal
Exit strategyClear: sale, refinance or payoff
CreditNo minimum FICO to check your deal

What we usually pass on

  • Requests above $1M or below $50K
  • Terms longer than 24 months
  • Little or no equity in the property
  • No real estate to secure the loan
  • Deals without a clear, realistic exit
  • Unentitled raw land with no structure

Where we lend

Midwest bridge loans — Kansas, Missouri, Iowa and Nebraska.

Kansas City to St. Louis, Des Moines to Omaha, and every county in between. Hotels and motels, gas stations and truck stops, multifamily, mixed-use, flips and cash-out — we fund the real estate and move at the speed of the deal.

Bridge loans in Kansas

Wichita · Overland Park · Kansas City (KS) · Olathe

Bridge loans in Missouri

Kansas City · St. Louis · Springfield · Columbia

Bridge loans in Iowa

Des Moines · Cedar Rapids · Davenport · Sioux City

Bridge loans in Nebraska

Omaha · Lincoln · Bellevue · Grand Island

FAQ

Straight answers.

One thing, done well: short-term bridge loans from $50,000 to $1,000,000, for 3 to 24 months, secured by real estate with real equity. Purchases, fix & flip or renovation, cash-out on property you own, or paying off a maturing loan — any property type, as long as the dots connect.

Think your deal fits? Let's find out.

A deal check in 60 seconds, a real advisor the same day. We don't fund everything — but when the real estate, the equity and the exit line up, approved files close in as little as a week.