Fast cash-out refinance loans make up a large portion of the commercial hard money loans funded by Riverdale Funding, which has built the reputation of being a trusted, reliable funding sources for our commercial mortgage broker partners and direct borrowers. For those who utilize alternative financing for their refinancing needs, get your cash-out refinance funded fast without having to worry about credit score requirements or having to turn in financial documents.

How It Works

Part of Riverdale Funding’s commitment to our clients is providing a fast and simple commercial loan approval process. Just submit a completed loan application as well as photos—both exterior and interior—of the property. Once our team reviews your application, we can respond quickly and can fund cash-out refinance loans in as little as a few days. To learn more about our Cash-Out Refinance Loan application requirements and start your application today, Apply Now or call us at (888) 368-4983.


Types of Properties We Lend On

  • Single-Family Investment / Non-Owner Occupied (NOO)^
  • 2-4 Units
  • Multi-family (Apartment Building)
  • Office Building
  • Mixed-Use
  • Retail
  • Strip Center
  • Free Standing Commercial
  • Warehouse
  • Improved Land
  • Light Industrial **
  • Self-Storage **


^ Riverdale Funding cannot provide loans on 1-4 Family Investment properties in the following states: Oregon, Minnesota, Utah   |  ** These and other commercial property types not listed above will be considered on a case-by-case basis.


General Loan Terms

Riverdale Funding’s commercial loan terms appropriately serve most cash-out refinance loan situations and include:

  • 1-3 Year (Interest-Only) Loan Terms
  • Loans of $250,000 up to $5,000,000 (Larger loans considered on a case-by-case basis)
  • Rates from 8-10%
  • Up to 65% Loan-to-Value (LTV)


For the full list of Riverdale Funding’s borrower-friendly cash-out refinance loan terms, visit our Commercial Loan Terms page.


Common / Popular Questions

Have a question regarding our popular Cash-Out Refinance Loans? Check out our list of popularly asked questions and find yours below:

  • What is a Cash-Out Refinance Loan?

A cash-out refinance loan is a mortgage refinancing transaction for an amount larger than what the borrower currently owes, the difference being taken in cash. A cash-out refinance loan may also be referred to as a “cash-out refi.”

  • How do Cash-Out Refinance Loans help?

Cash-out refinancing is frequently sought to cover the cost of improvements on a property, as these improvements are also adding to the home’s value. For example, rather than traditionally refinancing for the $150,000 a borrower currently owes on a property worth $300,000, the borrower can take out a cash-out refinance loan of $200,000 and perform $50,000 worth of upgrades and improvements (with our without the intention to sell). Cash-out refinance loans serve a variety of purposes and situations.

  • Does Riverdale work with brokers?

Yes. Riverdale Funding is a “broker-friendly” company, and we value our broker-partner relationships. We know the importance of having a lender you can trust to get your loans closed quickly, and we have many experienced account executives and former brokers ready to help. However, borrowers who are searching for cash-out refinancing are also encouraged to apply with Riverdale Funding directly.

  • How long will I have to pay back the loan?

Riverdale Funding’s borrower-friendly cash-out refinance loans carry interest-only terms of 1-3 years.

A complete list of frequently asked questions regarding our Cash-Out Refinance Loans can be found on our FAQs page.

Ready to Get Your Cash-Out Refinance Loan?

Begin your cash-out refinancing process today. Simply Apply Now or call (888) 368-4983.