When it comes to receiving a commercial loan, banks should not have the final say. Riverdale Funding is a trusted provider of express hard money loans for business owners, investment property owners / buyers, and rental property investors in need of commercial financing. Whether you need funding to renovate a single-family rental property or for a spacious property you envision becoming a bustling shopping center in your thriving community, we have commercial real estate loan programs tailored to your aspirations. Whatever your commercial real estate goals, we want to help you achieve them.


How It Works

We make getting a commercial hard money loan simple. At Riverdale Funding, our funding process requires minimal paperwork and can help you receive your loan within, at shortest, only a few days. The process is easy: Submit a completed loan application along with photos—interior and exterior—of the property. Our team will review and respond to your application as soon as possible. To find out more about how to get started with your Commercial Real Estate Loan, visit our application page 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 real estate loan terms appropriately serve most situations and include:

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

For the full list of Riverdale Funding’s borrower-friendly commercial real estate loan terms, visit our Commercial Loan Terms page.


How Is Commercial Hard Money Different From A Conventional Commercial Loan?

The table below provides a basic summary of key differences in loan characteristics between a traditional commercial loan and a commercial hard money loan from Riverdale Funding.



Common / Popular Questions

Because of the popularity of Riverdale Funding’s commercial hard money loans, we have organized a condensed list of frequently asked questions about our Commercial Real Estate Loans.

  • What is a Commercial Real Estate Loan?

A commercial real estate loan is a loan affiliated with a commercial property. Whether you’re a commercial real estate investor looking to purchase a multi-family property to rent out, or a business owner aspiring to renovate your current property, a commercial real estate loan can be an appropriate solution to help you reach your goals.

  • Can I get a 1-4 unit family residential loan?

Yes. Provided the property is a non-owner occupied investment property, Riverdale Funding can offer funding for 1-4 unit family residential properties.

  • Are there prepayment penalties?

No. There are no prepayment penalties when you get a loan from Riverdale Funding. Our loan terms are anywhere from one to three years, interest only. Borrowers can pay back a loan early without incurring any fees or cost.

  • When does it make sense for a real estate investor to use a hard money loan?

Business owners and commercial real estate investors in need of speedy funding can benefit from a hard money loan. Hard money loans are also well suited for property owners or investors who may not qualify for conventional loan or whose circumstances may otherwise fall outside a traditional lender’s underwriting guidelines.

Have a question we didn’t answer here? No problem. An extensive list of frequently asked questions about our Commercial Real Estate Loans can be found on our FAQs page.


Ready to Get Your Commercial Real Estate Loan?

Begin your commercial real estate loan process today. Apply Now or call (888) 368-4983.