Short-term bridge loan · Iowa

Short-term bridge loans in Iowa

From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts

Des Moines metro growth, Cedar Rapids and the Quad Cities, Iowa City and Ames student housing, Council Bluffs across from Omaha — Iowa real estate has equity, and we bridge it quickly.

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.

Iowa markets

Where we lend in Iowa.

Des Moines and West Des Moines, Ankeny, Cedar Rapids, Iowa City, Davenport and the Quad Cities, Sioux City, Council Bluffs, Waterloo–Cedar Falls, Ames and Dubuque, plus I-80 / I-35 highway commercial.

Bridge loans in Des Moines
Bridge loans in Cedar Rapids
Bridge loans in Davenport
Bridge loans in Sioux City
Bridge loans in Iowa City
Bridge loans in Waterloo
Bridge loans in Ames
Bridge loans in West Des Moines
Bridge loans in Council Bluffs
Bridge loans in Dubuque

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 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

Questions

Straight answers.

Statewide — Des Moines and West Des Moines, Ankeny, Cedar Rapids, Iowa City, Davenport and the Quad Cities, Sioux City, Council Bluffs, Waterloo–Cedar Falls, Ames and Dubuque, plus I-80 / I-35 highway commercial.