Loan Programs > Commercial Real Estate > Fixed Rate

Fixed Rate

Explore custom structures and flexible prepayment options with Ready Capital. As B-piece holder, your ongoing acquisition, refinance, recap investment is ours.


We’re one of the few non-bank commercial mortgage lenders providing financing nationwide to help you capitalize on more opportunities. We offer fixed-rate permanent loans from $2 to $50 million for multifamily, office, retail mixed use, self-storage, industrial and select other property types.

Fixed Rate for
Commercial Properties

Ready Capital’s Fixed Rate program provides custom solutions including flexible prepayment options and tailored structures such as future fundings, holdbacks, and earnouts.

Loan Terms

Loan Purpose Acquisition, refinance, recapitalization
Loan Amount $2 million - $50 million
Loan Term 2-10 year terms
Rate Type Fixed and Hybrid (part Floating/part Fixed) available
Interest Only Full term interest only available
LTV Multifamily: 80%; Commercial: 75%
Fees Origination – Par to lender
DSCR/Debt Yield Multifamily 1.15x; Commercial 1.20x
Multifamily 7.0%; Commercial 9.0%
Amortization 25-30 years
Recourse Non-recourse with standard carve-outs
Prepayment Flexible declining prepay
Borrower Single purpose entity required
Reserves TI/LC, CapEx as applicable
Lockbox/Cash Management Springing or in-place
Additional Structures Future advances and earnouts during first year; rate burn downs

Recent transactions

We consider the full range of value-add strategies and deliver structured finance solutions backed by experienced CRE lending professionals.

CRE lending at its best

We’re committed to locking in the terms that help you achieve your long-term investment goals. As a true collaborator with our CRE Finance Team, we give you ready insight into our approach to deal terms and proceeds.

Get a fixed rate loan quote

We'll need just a few details about you and your property to get you an accurate loan estimate.