Red Tower Capital
- Company typePrivate
- Founded2011
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Red Tower Capital firmographics
Firmographics- Name
- Red Tower Capital
- Legal name
- Red Tower Capital, Inc.
- Website
- https://redtowercapital.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Red Tower Capital industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Real Estate Investment Trusts (6798)
- akta.pro primary industry
- CRE Bridge & Transitional Lending (FSALADAC)
- akta.pro secondary industries
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Real Estate Private Credit (CRE Debt) (FSANADAG), Private Credit / Direct Lending (FSAAAHAG), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where Red Tower Capital is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Red Tower Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Loan Interest Income: Red Tower Capital earns interest income on bridge loans, fix-and-flip loans, construction loans, DSCR loans, and other private money loans extended to residential and commercial borrowers. Interest rates are tailored to each borrower's situation and loan terms.
- Loan Origination Fees: Borrowers pay origination fees at loan closing. These fees are paid by borrowers and not by fund investors. The company also collects fees for loan servicing and other lending activities.
- Fund Management & Asset Management Fees: RTC VI and predecessor mortgage funds charge asset management fees to investors. Managers may also receive a portion of yield after a preferred return is paid to investors. RTC VI, LLC and individual separate accounts are managed by Red Tower Capital, Inc.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | RTC VI Mortgage REIT minimum investment |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Red Tower Capital product offering
Product offeringCore offering
Red Tower Capital is a private real estate lending firm that originates short-term bridge, rehab, ground-up construction, fix-and-flip, owner-occupied bridge, DSCR, and custom loans secured by California residential and commercial real estate. The firm raises capital from accredited investors through its private mortgage fund (RTC VI) to deploy as private money loans to real estate investors, developers, and borrowers who need faster or more flexible financing than conventional banks provide.
Product overview
Red Tower Capital is a private real estate lending and investment firm offering a portfolio of loan products and an investment fund. The core lending products include Bridge Loans, Owner-Occupied Bridge Loans, Rehab Loans, Ground Up Construction Loans, Fix & Flip Loans, DSCR Loans, and Custom Loans—all designed for residential and commercial borrowers seeking alternative financing with flexible terms and quick approval. The complementary investment product is the RTC VI Mortgage REIT, a private real estate investment trust offering accredited investors access to real estate-backed lending with consistent income returns. Investors can access RTC VI through standard investment accounts or Self-Directed IRAs via partnered custodians. The loan products serve borrowers while the mortgage fund serves income-oriented investors, creating a unified private lending ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- RTC VI: A private Mortgage REIT (Real Estate Investment Trust) that invests in real estate-backed loans. It is an open-end evergreen fund structure targeting accredited investors, offering quarterly distributions with a 12-month initial lock-up period.
Products and services
- Bridge Loans Short-term financing solutions (typically 6-24 months) for properties in transition, enabling borrowers to bridge gaps between transactions with quick approval and flexible terms. Designed for residential and commercial borrowers needing transition capital outside of conventional bank lending.
- Owner-Occupied Bridge Loans Short-term financing for homeowners purchasing a new property before selling their current one, allowing buyers to leverage existing equity with reduced contingencies and faster closings. Designed for individual homeowners rather than investors.
- Rehab Loans Financing combining acquisition/refinancing costs with renovation funds in a single loan, based on the after-renovation value (ARV) of the property. Designed for real estate investors and developers undertaking value-add renovations of California residential or commercial properties.
- Ground Up Construction Loans Short-term financing for new construction projects from the ground up, covering both property acquisition and construction costs for residential or commercial development. Targeted at developers building new properties in California.
- Fix & Flip Loans Short-term loans tailored for investors acquiring, renovating, and selling properties for profit, with up to 100% of renovation costs financed and flexible 12-24 month terms. Designed for fix-and-flip operators in California residential real estate.
- DSCR Loans Debt Service Coverage Ratio loans that qualify borrowers based on rental property income rather than personal financial documents, ideal for income-producing properties. Targeted at investors seeking financing on rental properties.
- Custom Loans Bespoke lending solutions tailored to unique borrower needs and project requirements beyond standard loan programs. Designed for borrowers with deal structures that do not fit conventional or standard private money product criteria.
- RTC VI Mortgage REIT Private Mortgage REIT open to accredited investors offering consistent income through real estate-backed loans, with over 9% annual returns and quarterly distributions. Operated under RTC VI, LLC as an open-end evergreen fund structure with a 12-month initial lock-up period. Designed for accredited investors, family offices, trusts, self-directed IRAs, and RIAs.
- Self-Directed IRA Investment Option Investment vehicle allowing investors to use self-directed IRA funds to invest in RTC VI mortgage REIT, with a $50,000 minimum investment and tax-advantaged status through partnered custodians including AltoIRA and Inspira Financial. Designed for retirement savers seeking real estate private credit exposure inside an IRA wrapper.
Quantifiable outcome
- 15+ years of operation since 2011 with zero loss of investor capital across 9 real estate debt funds
- +3 more outcomes
Companies that use Red Tower Capital
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Red Tower Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Red Tower Capital partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- AltoIRAcoreAltoIRA is a self-directed IRA custodian through which investors can directly invest in Red Tower Capital's mortgage REIT, RTC VI. The partnership enables investors to hold RTC VI interests within their AltoIRA accounts.
- Inspira FinancialcoreInspira Financial is a self-directed IRA custodian/administrator that offers RTC VI directly as an investment option for IRA holders. Red Tower Capital has a referral/partner relationship with Inspira Financial (refCode: RTC).
- AccuplanminorAccuplan is a self-directed IRA custodian that Red Tower Capital and its investors have worked with to facilitate investment in RTC VI.
- American Estate & Trust (AET)minorAmerican Estate & Trust (AET) is a self-directed IRA administrator that Red Tower Capital has worked with for investors seeking to hold mortgage fund investments in IRAs.
- The Entrust GroupminorThe Entrust Group is a self-directed IRA custodian that has facilitated investment in Red Tower Capital's mortgage REIT for its account holders.
- Equity TrustminorEquity Trust is a self-directed IRA custodian that has worked with Red Tower Capital investors to hold RTC VI investments in IRA accounts.
- Forge TrustminorForge Trust is a self-directed IRA custodian that Red Tower Capital has worked with to enable IRA-based investment in its mortgage fund.
- IRA ResourcesminorIRA Resources is a self-directed IRA administrator that has facilitated Red Tower Capital mortgage fund investments for its clients.
- Columbia Private TrustminorColumbia Private Trust (formerly Pacific Premier Trust) is a self-directed IRA custodian that has worked with Red Tower Capital investors.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Red Tower Capital competitors and assessment
Company assessmentDirect peers
- Kiavi (formerly LendingHome): Kiavi is one of the largest tech-enabled private real estate lenders in the U.S., specializing in bridge and fix-and-flip loans to residential investors. Highly comparable to Red Tower Capital's core lending products, target borrower (real estate investors), and California-heavy geographic focus.
- Lima One Capital: Lima One Capital is a national private lender offering bridge, fix-and-flip, construction, and rental (DSCR) loans to real estate investors. Directly competes with Red Tower Capital across nearly all loan products and shares the multi-product, asset-based underwriting model.
- RCN Capital: RCN Capital is a direct private real estate lender offering bridge, fix-and-flip, and rental portfolio loans, with a heavy broker-channel distribution model. Closely comparable to Red Tower Capital's broker-driven GTM and short-duration investor loan focus.
- Newfi Wholesale: Newfi is a non-QM and private real estate lender providing DSCR, bridge, and investor loans through a wholesale broker channel. Highly comparable to Red Tower Capital's broker-led distribution and DSCR/bridge product set.
- Temple View Capital: Temple View Capital is a private real estate lender focused on bridge, fix-and-flip, and rental loans for residential investors. Comparable to Red Tower Capital in product mix and direct-to-borrower / broker-channel hybrid origination model.
Emerging players
- Groundfloor: Groundfloor is a real estate crowdfunding and marketplace lender offering short-term fix-and-flip and bridge loans to investors. Overlaps with Red Tower Capital's loan products but uses a marketplace funding model rather than balance-sheet origination.
- Patch of Land: Patch of Land is a real estate crowdfunding marketplace lender focused on bridge and fix-and-flip loans. Comparable to Red Tower Capital's loan products but competes indirectly via marketplace-based capital rather than direct origination.
Broad incumbents
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a larger non-QM and private lending platform offering DSCR, fix-and-flip, and bridge loans nationwide. Comparable product set to Red Tower Capital but operates at significantly greater scale and broader geographic footprint.
- CoreVest Finance (a Redwood Trust company): CoreVest Finance is a leading institutional lender to residential real estate investors, offering bridge, fix-and-flip, and rental portfolio loans. A scaled private lender with overlapping products to Red Tower Capital but backed by Redwood Trust's balance sheet.
Regional players
- Conix Real Estate Capital: Conix is a California-focused private real estate bridge lender. Highly comparable geographic focus to Red Tower Capital with overlapping bridge loan product, making it a close regional competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Red Tower Capital social profiles
Digital presenceRed Tower Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Red Tower Capital leadership team
Management profileNumber of profiles
Profiles3 records
Red Tower Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Red Tower Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Red Tower Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Red Tower Capital
What does Red Tower Capital do?
Red Tower Capital is a private real estate lending firm that originates short-term bridge, rehab, ground-up construction, fix-and-flip, owner-occupied bridge, DSCR, and custom loans secured by California residential and commercial real estate. The firm raises capital from accredited investors through its private mortgage fund (RTC VI) to deploy as private money loans to real estate investors, developers, and borrowers who need faster or more flexible financing than conventional banks provide.
Is Red Tower Capital a public or private company?
Red Tower Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Red Tower Capital founded?
Red Tower Capital was founded in 2011. It employs 1 to 10 people.
Where is Red Tower Capital based?
Red Tower Capital is headquartered in San Francisco, United States, in the North America region.
How does Red Tower Capital make money?
Three revenue lines are on record. Loan Interest Income is the primary driver. The others are loan Origination Fees and fund Management & Asset Management Fees.
Who are Red Tower Capital's main competitors?
Direct peers on record are Kiavi (formerly LendingHome), Lima One Capital, RCN Capital, Newfi Wholesale and Temple View Capital. Emerging players are Groundfloor and Patch of Land. Broad incumbents are Angel Oak Mortgage Solutions and CoreVest Finance (a Redwood Trust company). Conix Real Estate Capital is listed as a regional player.
Does Red Tower Capital have an API?
No public API is recorded for Red Tower Capital.
What industry is Red Tower Capital in?
Red Tower Capital's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSALADAC, CRE Bridge & Transitional Lending, with a secondary code of FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522292 and its SIC code is 6162.