Fixed Rate Lending
Ready Capital offers fixed rate permanent loans to $50 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 and client testimonials:

Fixed rate
Retail
10 Year Term
Conyers, GA

Fixed rate
Multifamily
10 Year Term
Lilburn, GA
“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.”

Fixed rate
Office
10 Year Term
Glendale , CA

Fixed rate
Retail
5 Year Term
Fairfax Station, VA

Fixed rate
Retail
10 Year Term
Tempe, AZ

Fixed rate
Multifamily
10 Year Term
Bronx, NY

Fixed rate
Multifamily
10 Year Term
Various, GA

Fixed rate
Retail
10 Year Term
Riverdale, GA

Fixed rate
Office
10 Year Term
Westerville, OH
“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.”

Fixed rate
Multifamily
5 Year Term
Midvale, UT
Fixed rate
Mixed Use
10 Year Term
Chicago, IL

Fixed rate
Multifamily
10 Year Term
Lakewood, CO
Fixed rate
Multifamily
5 Year Term
Forest Park, GA

Fixed rate
Office
10 Year Term
Glendale, CA

Fixed rate
Self Storage
12 Year Term
Kent, WA

Freddie SBL
Multifamily
10 Year Term
Various, OH

Fixed rate
Office
10 Year Term
Chesapeake, VA
Fixed rate
Mixed Use
5 Year Term
Los Angeles , CA
Fixed rate
Retail
10 Year Term
Coral Gables, FL

Fixed rate
Multifamily
10 Year Term
Oklahoma City, OK

Fixed rate
Retail
10 Year Term
Pflugerville, TX
Fixed rate
Multifamily
10 Year Term
Greensboro, NC

Fixed rate
Retail
10 Year Term
New Lenox, IL

Fixed rate
Retail
10 Year Term
Lawrenceville, GA

Fixed rate
Retail
10 Year Term
Kissimmee, FL

Fixed rate
Retail
10 Year Term
Live Oak , TX

Fixed rate
Retail
5 Year Term
Yuma, AZ

Fixed rate
Retail
10 Year Term
Capitol Heights, MD

Fixed rate
Industrial
10 Year Term
Pittsburg, CA

Fixed rate
Mixed Use
10 Year Term
Clifton, NJ

Fixed rate
Multifamily
10 Year Term
Paterson, NJ

Fixed rate
Fixed Rate
10 Year Term
San Antonio, TX

Fixed rate
Office
10 Year Term
Grand Prairie, TX

Fixed rate
Multifamily
10 Year Term
Waxahachie, TX

Fixed rate
Retail
5 Year Term
Evansville, IN

Fixed rate
Retail
2 Year Term
Sacramento, CA
PRODUCT OVERVIEW
- $3MM – $50MM*
- Flexible prepays including step-downs
- Stabilized and near-stabilized properties
- Custom structures
- Major markets nationwide
- Pricing starting in the 4%s
- Acquisitions, refinance, recapitalization, cash out
- 2 – 10 year terms (15 years on a case-by-case basis)
- Up to 75% LTV
- Minimum 1.25 DCR
- Up to 30 year amortization for multi-family, 25 years for other asset types, IO on a case-by-case basis
- Par to lender / YSP available
- CMBS alternative
- Non-recourse
- Future funding, holdbacks and earn-outs
- Light value add if cash flowing
*Lower and higher loan amounts considered on a case-by-case basis
- Vice President
- 469-706-7063
- jeffrey.Bottoms@readycapital.com
Jeffrey has more than 30 years of experience in commercial real estate lending, with expertise in term, agency, CMBS, bridge, construction and mezzanine loans. Jeff is part of the Strategic Partners Team focused on our many correspondent relationships. Jeff spent 18 years at Principal Financial Group, as an Investment Director. Jeff was also a Regional Director at Washington Mutual, a Partner at Timarron Capital and NRF Capital, a Vice President at Hudson Americas and Due Diligence Associate at Beal Bank. Jeff earned a B.A. from the University of Iowa.
-
Fixed rate
-
Bridge
-
CMBS
-
Multifamily

Fixed rate
Retail
5 Year Term
Evansville, IN

Bridge
Multifamily
1 Year Term
Bridgeport, CT

Fixed rate
Retail
10 Year Term
Roswell, GA

Freddie SBL
Multifamily
20 Year Term
Pryor, OK

Freddie SBL
Multifamily
20 Year Term
Monroe, WA
Freddie SBL
Multifamily
10 Year Term
Bridgeport, CT

Freddie SBL
Multifamily
10 Year Term
Bridgeport, CT

Freddie SBL
Multifamily
10 Year Term
Bridgeport , CT

Freddie SBL
Multifamily
10 Year Term
Lithonia, GA
Year Term
,

Fixed rate
Retail
5 Year Term
Fairfax Station, VA

Freddie SBL
Multifamily
10 Year Term
Orchard Park, NY

Freddie SBL
Multifamily
7 Year Term
Salt Lake City, UT

Freddie SBL
Multifamily
10 Year Term
Richmond, VA

Freddie SBL
Multifamily
10 Year Term
Ashland, MA

Freddie SBL
Multifamily
10 Year Term
Ennis, TX

Freddie SBL
Multifamily
10 Year Term
Oberlin, OH

Freddie SBL
Multifamily
20 Year Term
Dallas, TX
Freddie SBL
Multifamily
10 Year Term
Fort Worth, TX
Freddie SBL
Multifamily
20 Year Term
Baldwin, NY
Fixed rate
Multifamily
10 Year Term
Washington, DC
Freddie SBL
Multifamily
7 Year Term
Cambridge, MA
Freddie SBL
Multifamily
5 Year Term
Arlington, TX
Freddie SBL
Multifamily
7 Year Term
Cambridge, MA
Freddie SBL
Multifamily
10 Year Term
Joshua, TX
Freddie SBL
Multifamily
10 Year Term
Plantsville, CT
Freddie SBL
Multifamily
10 Year Term
Framingham, MA
Freddie SBL
Multifamily
10 Year Term
Washington, DC
Freddie SBL
Mixed Use
10 Year Term
Richmond, VA
- 2021
- 2020
- 2019
- 2018
- 2017
- 2016
Connect with us and request a quote to see what product best fits your needs. A product representative will be in touch with you shortly.