Your file, underwritten by us before it's judged by them.

Most brokers forward paperwork. We spent our careers on the other side of the desk, approving, restructuring, and declining loans, so we prepare yours the way the person reading it was trained to read it.

A construction site at first light: a steel frame rising, a crane in silhouette and a fresh concrete pour.

What we arrange.

Pick what the money is for, and the instruments the file usually goes to come forward.

SBA Loans

7(a) and 504 programs, prepared to approval standards

Commercial Real Estate

Purchase, refinance, and cash-out on income property

Construction Lending

Rafael's specialty for three decades

Bridge Loans

Speed when the window won't wait for a bank

Equipment Financing

Trucks, machines, and the tools that earn

Revenue-Based Loans

Sized to cash flow, not just collateral

Asset-Based Loans

Working capital against receivables and inventory

Traditional Business Loans

Bank term debt and lines of credit

Equity Financing

Subordinated debt, mezzanine capital and preferred equity

We also underwrite for CDFIs and mission lenders: the same discipline, pointed at their pipelines. CDFI services

Two specialties that start with a conversation.

Some financing is too particular for a form. Construction and equity deals are where judgment matters most, so bring them to us directly and we will work through the details with you.

Ruben Rodriguez of RSCCA standing with his arms folded, in a grey jacket over a navy turtleneck.

Construction lending

Budgets, draw schedules, cost to complete, the contractor's record and the take-out at the end: a construction loan has more moving parts than any other file we build. It has been a specialty of the firm for three decades. If you are building, renovating or developing, tell us about the project.

Equity financing

Sometimes the right capital is not a loan. Subordinated debt, mezzanine capital, preferred stock and warrants sit between borrowing and selling part of the company, and each one fits a different business with a different goal. We work out which fits yours, find the investor, and negotiate the terms.

Much of this money comes through Small Business Investment Companies, more than 300 privately managed funds licensed by the SBA. You do not apply to the SBA; you go to the fund, and we know how those funds underwrite.

How SBICs work, at sba.gov
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How a deal comes together.

1–4

months, start to funding. We say it out loud because two-week promises are how borrowers get hurt.

A fountain pen resting on the signature line of a loan agreement, with a gold seal and a brass desk clock.

  1. The file

    We build your credit file the way a lender's analyst would (financials, story, use of funds) and fix what would draw questions before anyone asks them.

  2. In-house underwriting

    Seventy-eight combined years of approving loans means we know what a credit committee will say before it meets. If the answer would be no, you hear it from us first, with the path to yes.

  3. Placement

    The ask goes to the lenders whose credit box it actually fits: bank, SBA, CDFI, or private. No shotgun submissions that burn your credit pulls.

  4. Close

    A typical commercial deal runs one to four months start to funding. We say that out loud because promises of two weeks are how borrowers get hurt.

What would the payment actually be?

Estimate a monthly payment and total interest before we talk. It makes the first conversation sharper.

Run the numbers

Have a deal in mind, or a decline you don't understand?

Bring it to the complimentary hour. You'll leave knowing what a lender will say.

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