Expert Commercial and Private Money Lender for Fast, Flexible Funding

Experience

RGC Capital’s Founding Member has over 40 years of experience in the Mortgage Industry and has closed more than 3500 Real Estate Loans. This expertise has helped RGC Capital grow significantly in recent years.

Speed

RGC Capital has Streamline Processing where we help You from Inception to Completion. Our In-house Underwriting allows for Proficiency, Flexibility, and Ease when it comes to Funding your Loan.

Certainty

RGC Capital has Reliable and Transparent Lending Options with a proven Source of Funding through our Vast Investor Base. We as a Business have and will continue to Deliver with Confidence and Client Satisfaction.

Explore Our Loan Programs

Private Money & Hard Money Loans

Direct Lending • Fast Closings • Asset-Based Financing

Designed for investors seeking direct access to capital for acquisitions, cash-out opportunities, refinancing, and time-sensitive transactions that require speed and flexibility.

Private/Hard Money »

Commercial Stated Income Loans

Nationwide Lending • No Tax Returns Required • Simplified Qualification

Commercial financing solutions for self-employed borrowers, investors, and business owners who prefer to qualify using stated income and alternative documentation.

Stated Income »

Fix & Flip Loans

Up to 90% LTV • Up to 100% LTC • Up to 80% ARV

Acquire, renovate, and resell investment properties with financing designed to maximize leverage and help investors expand their portfolios.

Fix & Flip »

Bridge Loans

Short-Term Financing • No Prepayment Penalty • Quick Funding

Access temporary capital when timing is critical for acquisitions, refinancing, transitional properties, and investment opportunities.

Bridge Loan »

Construction Loans

Ground-Up Financing • Flexible Draw Schedules • Start-to-Finish Funding

Funding solutions for residential and commercial construction projects with structured draws designed to support every phase of development.

Construction Loan »

Alt Doc Loans

Alternative Documentation • Bank Statement Options • Flexible Qualification

A financing solution for borrowers with non-traditional income sources who need alternatives to conventional documentation requirements.

Alternative Documentation »

Nationwide Commercial Lending

RGC Capital’s nationwide stated income commercial lending platform meets the unique needs of businesses. Whether expanding, downsizing, or needing working capital, our tailored solutions help you achieve your goals. Leveraging our extensive network and industry expertise, we provide flexible financing options to ensure you have access to funds. Experience seamless and reliable commercial lending with RGC Capital, empowering your business to thrive in today’s market.

30 Year Fixed Loan

Ideal for real estate investors searching for a long-term fix rate principal and interest loan with no balloon payment. Nationwide broker friendly.

1 Year Bridge Loan

Investors seeking short term financing with no prepay clause for their real estate investments. Lite documentation speed and ease of underwriting.

Fast & Easy Loan

Designed for real estate investors with credit issues, low FICO scores or other derogatory matters. Who has sufficient equity to leverage for common sense underwriting.

Fix & Flip Loan

High leverage loans up to 90% Loan to Value (LTV). For purchase and rehab of 1-4 residential investment properties. Rehab financing is available up to 100% Loan to Cost (LTC) and After Repair Value (ARV) options of 80% to help grow your investment property portfolio.

Flexible Lending Options with Stated Income: Alternative Documentation

RGC Capital’s flexible lending options cater to investors and borrowers alike who may not fit the traditional lending requirements. With our stated income loan programs, you can qualify based on your declared income rather than using your income taxes. This alternative documentation approach is ideal for self-employed individuals, entrepreneurs, and freelancers or those with non-traditional income sources. We make the loan process simpler and faster without compromising on security or transparency.

Submit Your Loan Scenario »

Loan Programs

See Complete Programs »

Client Testimonials

    
 
 
       Posted on Google  
   
   M Nunez 
 
 
 
 Trustindex verifies that the original source of the review is Google. RGC Capital did an excellent job helping me finance my recent purchase. As a self-employed borrower, my situation was not entirely conventional, but their team worked with me to find a competitive solution with rates and fees comparable to conventional financing. Excellent customer service throughout the process. Highly recommend RGC Capital.
  
 
      Posted on Google  
   
   A julissa 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excelente experiencia con RGC Capital. Desde el principio recibimos un servicio profesional, atento y eficiente. El equipo fue muy amable, respondió nuestras preguntas y nos mantuvo informados durante el proceso. Para nosotros, RGC Capital ha sido el best direct private money lender por su atención, experiencia y profesionalismo. Definitivamente recomendamos a RGC Capital para quienes buscan private money lending, commercial real estate financing y investment property loans. ¡Muchas gracias a todo el equipo!
  
 
      Posted on Google  
   
   A Madrid 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have now closed two deals with Victor and his team, and both experiences have been excellent. As the private lender on these files, Victor made sure communication was clear and consistent from start to finish, with timely updates whenever needed. His process is fast and straightforward, which made a real difference in getting both transactions to smooth and quick closings. As the broker who brought the client to him, I really value working with a lender who is this reliable and easy to communicate with. I highly recommend Victor and his team to anyone looking for a private lending partner who delivers on time, every time.
  
 
      Posted on Google  
   
   J French 
 
 
 
 Trustindex verifies that the original source of the review is Google. RgC is absolutely the only option to work with! No matter how great or how small you may see your situation RGC will treat you with absolute professionalism and care of world class proportion. How someone treats those who have little to nothing to offer them is a reflection of their values and overall worth. RGC will give the same value and amazing service to someone offering the least just as they would someone offering the most! As someone helped by them when I had very little to offer, they out did any competition available. Thank you for your service!
  
 
      Posted on Google  
   
   M gomez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Your the man victor
  
 
      Posted on Google  
   
   N Lopez 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’ve worked with Victor Chavez , He is wise and genuinely committed to provide his best. Victor has provided valuable information to our community about resources available through  RGC capital. Their knowledgeable team is ready to assist with your needs. Victor Chavez is professional, trustworthy and understanding. I highly recommend Victor RGC Capital and his Team.
  
 
      Posted on Google  
   
   N Vasquez 
 
 
 
 Trustindex verifies that the original source of the review is Google. It was great to work with Victor and Claudia.  They keep you informed of the process and are always professionals.  We will definitely be working together again!
  
 
      Posted on Google  
   
   D Guizar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Efficiency is everything in commercial real estate, and RGC Capital delivers. I turned to them for a private money refinance and was impressed by how quickly they handled everything from start to finish. No unnecessary hurdles, no drawn-out delays—just a clear, fast, and easy process. I’ll definitely be working with them again.
  
 
      Posted on Google  
   
   M Rodriguez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Worked with Ignacio and had excellent service. Every step of the way he was always alert and on top of the process start to finish. From finding a listing to getting my keys to my dream home.
  
 
  
  
 
 
      Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Ready to Connect with RGC Capital?

Schedule your consultation today and get expert guidance tailored to your needs.

Book Your Meeting with RGC »

Submit Your Loan Scenario

Get Quick Quote »