Fixed Rate Lending


Ready Capital offers fixed rate permanent loans to $25 million for multifamily, office, retail mixed use, self-storage, industrial and select other property types. As a non-bank capital source, we bring speed to the commercial lending process and help borrowers capitalize on more opportunities.

Ready Capital is one of the few non-bank commercial mortgage lenders providing financing nationwide. We are driven by our vision to provide customers with an unparalleled experience in small-balance commercial real estate financing. We leverage our team’s expertise to deliver flexible commercial lending solutions, quick closings and exceptional customer service.

Check out our most recent transactions & client testimonials:

Fixed rate
10 Year Term
Tempe, AZ

“The way you solved challenges was a breath of fresh air. I have not seen a lender in six years that showed the willingness to explore all of the options available…this was the best performance we have had with a lender in a long, long time. Thanks again.”

- Warren
Fixed rate
5 Year Term
Midvale, UT
Fixed rate
Mixed Use
10 Year Term
Chicago, IL
Fixed rate
10 Year Term
Lakewood, CO

“The Ready Capital team was responsive throughout the loan process and they performed to our expectation. Inquiries were handled promptly and professionally from beginning to end. We anticipate a long and mutually beneficial relationship with Ready Capital going forward.”

- Zaya
Fixed rate
10 Year Term
Dallas, TX
Rate/Term Finance
Fixed rate
3 Year Term
Peoria, AZ

Ready Capital provides competitive programs to meet a wide range of borrower needs. Contact one of our loan professionals for more information.

Fixed Rate
Property Types Primarily office, retail, multifamily, self-storage and industrial
Rates Competitive rates priced off of SWAPs
Loan Size $750,000 to $20,000,000 primarily
Loan Purpose Refinance, cash out & acquisition
Terms Loan terms for 2 years to 10 years
Can consider other terms on case-by-case basis
Leverage Up to 80% in select markets
Recourse Non-recourse with standard carveouts
Prepayment Flexible
Can offer yield maintenance, step-down and up to 20% UPB
Can be repaid on a rolling 12 month basis without prepayment penalty
Debt Service Coverage As low as 1.20x
Amortization Up to 30 year amortization
Interest only available
Origination Par
ReadyCap Commercial Surpasses $3 Billion Funded Milestone
New York Times

IRVING, TEXAS – August 14, 2018 – In July 2018, ReadyCap Commercial, LLC (ReadyCap), a leader in small to middle-market commercial real estate mortgage finance, announced it surpassed  $3 billion in funded  loans across its menu of products in just five years. Founded in 2012 and headquartered in Irving, TX, ReadyCap is a subsidiary of Sutherland Asset Management Corporation (NYSE: SLD). ReadyCap originated its first loan in 2013 and as of its fifth full year of lending operations, has closed and signed-up approximately 1,000 loans totaling over $3.25 billion. The non-bank lender remains steadfast to its funding strategies and expansion of loan product offerings. Today, ReadyCap’s primary commercial real estate lending products include, Fixed Rate loans up to $25 million, Freddie Mac SBL loans up to $7.5 million and Bridge loans up to $50 million, with the ability to execute larger loans on portfolios across its diverse product lines.

“ReadyCap continues to excel at combining its creativity, loan structuring flexibility and array of products spanning bridge to stabilized lending, in developing customized lending solutions for our clients’ varied real estate investment plans,” said Thomas Capasse, Sutherland’s Chief Executive Officer.

Anuj Gupta, President of ReadyCap, recognized his team in July for contributing to the success of ReadyCap.

“ReadyCap embodies a close-knit national team of employees who are passionate about the culture of the company, maintaining superior market relationships and working creatively, collaboratively and affirmatively to deliver for our clients.”

For more information regarding ReadyCap and this $3 billion funded milestone, contact Mara Rothbart at

About ReadyCap Commercial, LLC
ReadyCap Commercial (, headquartered in Irving, Texas, is a non-bank, portfolio lender offering financing for small-to-mid balance fixed rate, small agency multifamily and bridge loans nationwide across all property types. ReadyCap’s financing products for commercial real estate include fixed rate loans up to $25 million, small multifamily agency loans up to $7.5 million and bridge loans up to $50 million, with the ability to execute larger loans on portfolios across its diverse product lines. Founded in 2012, ReadyCap is an indirect subsidiary of Sutherland Partners, L.P., the general partner of which is Sutherland Asset Management Corporation (“Sutherland”). Sutherland, a REIT, is a publicly-traded real estate finance company that primarily acquires, originates, manages and finances commercial real estate loans (NYSE: SLD).

This press release contains statements that constitute “forward-looking statements,” as such term is defined in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, and such statements are intended to be covered by the safe harbor provided by the same. These statements are based on management’s current expectations and beliefs and are subject to a number of trends and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements; the Company can give no assurance that its expectations will be attained. The Company undertakes no obligation to update these statements for revisions or changes after the date of this release, except as required by law.


Interested in working with one of the fastest growing commercial mortgage REIT’s in the industry?

Ready Capital is always looking to add experienced and driven professionals to expand and grow with our company. We are continually searching for experienced professionals within the industry by offering a work environment thriving on collaboration and a corporate culture of employees who are passionate and excited about what they do.

Find out what job positions are open in your area.


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