Our Services
Private Money Loans
Private money lending, also referred to as “hard money” or equity based-lending, includes a wide variety of all kinds of real-estate secured loans, including construction and development loans. They are often a type of loan that is limited with conventional financing, such as: construction loans, fix and flip loans, development loans or bridge financing. Certainty of closing and speed are extremely valuable in the real estate investing space, especially in purchase transactions, and private money loans are generally much faster and easier to qualify for than that financing that banks can provide.
We lend on the value of the property, that is our primary focus. Ryker has a diverse funding platform, from institutional capital, to 100% discretionary portfolio funds, to private investor capital which can deploy as needed to fit your unique criteria. Get the capital you need, with the guidance and expertise from the best and most respected minds in the business.
Ryker Capital is broker friendly, and commonly works with a variety of brokers throughout the United States.
Capital Advisory and Equity Placement
Ryker Capital takes on a limited amount of capital advisory clients each year; guiding them through the complex infrastructure of debt and equity, while assisting in the assembly of their capital stack or specific capital needs. We can provide clients with senior debt, mezzanine financing or equity partnerships through our focused by diverse database of investors and capital providers. After analysis of the project we identify and clarify the sponsor’s specific needs, and structure the right financial strategy. Identifying and sourcing potential loan terms and amounts, along equity or traditional financing.
Our Lending Programs
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BUSINESS-PURPOSE BRIDGE LOANS
Ryker Capital specializes in 6 to 36 month bridge and interim financing for non-owner occupied residential and commercial properties in all major metropolitan areas throughout the United States. Our team of real estate experts can underwrite your loan and find a lending solution that allows you to leverage your equity for all of your business pursuits.
Loan to Value up to 75%
Minimum Loan Size $250,000
Maximum Loan Size $20,000,000+
6 -36 Month Terms
8.5% - 12.75%
Fees from 1 point
Asset Types: SFR 1-4, Multifamily 5+, Industrial, Office, Retail, Land considered at low leverage. No hospitality.
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NEW CONSTRUCTION and REHAB LOANS
The team at Ryker Capital has some of the best construction underwriters in the business. We can provide funding for ground-up construction projects, fix-and-flip/rehab, as well as construction-completion loans in 1st or 2nd position. Construction and rehab projects require specialized knowledge and an experienced team. Let us craft a unique lending strategy for your next endeavor.
Loan to Value up to 70%
Loan to Cost up to 90%
Minimum Loan Size $500,000
Maximum Loan Size $35,000,000+
12 - 36 Month Terms, Average Term 18 Months
8.5 - 12.5%
Fees from 1 point.
Asset Types: SFR 1-4, Multifamily 5+, Industrial.
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LONG-TERM NON-DSCR FINANCING
Ryker can fund long-term loans for income-producing properties nationwide. Our team can help you structure a financing solution for your rental property or portfolio that aligns with your investment objectives in today’s challenging banking environment. As a private lender, our process and speed become your advantage.
Loan to Value up to 75%
Loan to Cost up to 90%
Minimum Loan Size $500,000
Maximum Loan Size $2,500,000 - per property >$3,000,000 up to $50,000,000..
Terms: 30YR Fixed,
DSCR Requirements: None
FICO: 680 minimum
Rates: from 8.5%
Asset Types: SFR 1-4, rental portfolios,
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OWNER-OCCUPIED BRIDGE LOANS
Ryker Capital offers short-term bridge financing to help homeowners purchase their next primary residence before selling their current one. This program is ideal for buyers who need to close quickly, avoid moving twice, or compete with cash offers—all without waiting to sell their existing home. We typically structure loans using cross-collateralization in 2nd position to their existing financing, allowing clients to unlock up to 100% of their purchase funds while maintaining flexibility and control over the sale timeline of their current property.
Loan to Value: Up to 100% with cross-collateral
Minimum Loan Size: $250,000
Maximum Loan Size: $5,000,000+
6–11 Month Terms
Rates: 9.99% – 11.50%
Fees from 1.5 points
Property Type: Primary Residence (SFR 1-4 units) in CA only.