Short-term bridge loan · Iowa
Bridge loans for liquor store real estate in Iowa
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Liquor and package stores are steady, cash-heavy businesses that many banks still avoid. When you own or are buying the building, we lend on it: purchase the real estate, pay off a note, or pull cash out to buy inventory or a second store.
Serving Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, Waterloo and every county in Iowa. Liquor stores 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 liquor stores.
- Value of the building and lot, with the business as supporting evidence
- License status and transferability in your city and state
- Lease or owner-occupancy structure
- Exit: refinance into SBA or conventional debt, or sale
Typical deals
Where this loan fits.
- Buying the building your store leases before the landlord sells to someone else
- Acquiring a store plus its real estate from a retiring owner
- Cash-out to open a second location
- Refinancing a high-rate private note
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
Liquor stores 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.
For the business, yes — for the loan, the real estate carries the collateral. We confirm the license is in good standing because it supports your exit.