Short-term bridge loan · Iowa
Bridge loans for fast food and restaurant real estate in Iowa
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Franchise QSR pads, drive-thru conversions, a restaurant building with a long-term tenant — this is single-tenant commercial real estate with equity. We fund the building while you line up the franchise approval, the tenant or the permanent loan.
Serving Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo and every county in Iowa. Restaurants deals get the same answer everywhere: real equity, a clear exit, a fast close.
Deal check · live
No credit pullLoan-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.
What we look at
How we underwrite restaurants.
- Value of the building and pad, by appraisal and comparable single-tenant sales
- Lease terms or franchise agreement supporting the exit
- Condition, drive-thru / site layout and any conversion budget
- Exit: refinance, sale or sale-leaseback
Typical deals
Where this loan fits.
- Buying the pad your franchise unit sits on
- Converting a closed restaurant to a new concept with a renovation budget
- Bridging a net-lease restaurant purchase ahead of a 1031 or permanent loan
- Cash-out on a stabilized restaurant building
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.
Where we lend
Restaurants loans by state.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
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
Questions
Straight answers.
That is between you and the franchisor; we underwrite the real estate and your exit.