What Royal Capital Group does

Royal Capital Group is a privately held, Miami Beach-based mortgage and commercial lending firm founded in 2006-2007 by Leron Levy. The company originates residential and commercial mortgage loans for real estate investors, small businesses, foreign nationals, and borrowers who cannot qualify through traditional bank underwriting. Its core focus is non-qualified mortgage (Non-QM) lending, with specialized programs including bank statement loans, DSCR (rental property) loans, profit-and-loss loans, no-income-verification primary residence loans, foreign national loans, and SBA 7(a) and 504 loans. The company also offers hard money and fix-n-flip bridge loans funded by private investors at rates of 9%-11.95% with loan sizes from $250K to $30MM.

The firm operates a LendingPad-based loan origination platform with a self-serve online application portal, supplemented by phone and email sales channels. Distribution combines direct-to-consumer origination with a broker referral and co-brokering program that engages loan officers as independent contractors with protected broker-of-record status and pre-negotiated fee splits. Geographic focus is South Florida with stated coverage across Continental US and the top 300 MSAs for alternative multifamily lending, supported by dense local SEO presence across Miami-Dade, Broward, and Palm Beach submarkets.

Royal Capital Group generates revenue primarily through transaction-based origination fees, closing costs, and interest spreads on funded loans, with additional broker referral fee splits. The company has no disclosed institutional funding, no M&A activity, and operates with a 1-10 employee headcount, making it a lean, founder-led specialty lender rather than a scaled origination platform.

Name

Royal Capital Group

Legal name

Royal Capital Group

Website

https://royalcapitalgroup.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Royal Capital Group is a Miami Beach-based, privately held specialty lender founded in 2006 that originates Non-QM residential mortgages, commercial mortgages, SBA loans, and hard money bridge loans for real estate investors, small businesses, and foreign nationals who cannot qualify for traditional bank financing.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Real Estate Credit (522292), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Non-qualified mortgage lending
• Commercial mortgage financing
• Hard money bridge loans
• SBA small business loans
• Private real estate lending

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Loan Origination: RCG generates revenue through originating residential and commercial mortgage loans. They offer multiple loan programs including conventional mortgages, SBA loans, hard money loans, and Non-QM products. Revenue is generated from interest rates, origination fees, and closing costs charged to borrowers.
2. Broker Referral Fees: RCG works with co-brokers and loan officers who refer clients. The sourcing broker is noted as broker of record and receives a portion of closing fees as agreed upon in advance through a fee agreement.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Royal Capital Group originates and funds a portfolio of residential and commercial mortgage loans, with a specialization in non-qualified mortgage (Non-QM) products for borrowers—including self-employed individuals, foreign nationals, real estate investors, and fix-and-flip operators—who do not meet traditional bank qualification criteria. The firm offers hard money bridge loans backed by private investor capital that can close in a few days, as well as SBA 7(a) and 504 loans for small businesses, using alternative income documentation methods such as bank statements, profit & loss statements, DSCR ratios, and no income verification.

Product overview

Royal Capital Group operates as a premier financing provider offering a comprehensive portfolio of mortgage and lending products. The company provides two main product categories: Residential Loan Programs (including Bank Statement Loans, Fully Documented Income, DSCR/Rental Property Loans, Foreign National Loans, No Income Primary Residence Loans, Profit & Loss Loans, Self Employed Loans, Home Equity Loans & 2nd Mortgages, and Hard Money/Fix-n-Flip Loans) and Commercial Mortgage products (Conventional Multifamily, Alternative Multifamily, SBA 504 Loans, and SBA 7(a) Loans). The company specializes in non-qualified mortgage (Non-QM) lending solutions for borrowers who don't meet traditional financing criteria, including self-employed individuals, foreign nationals, and real estate investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Bank Statement Loans Non-QM loan program that uses 12 or 24 months of bank statements to verify income instead of tax returns; designed for self-employed borrowers with non-standard income documentation. Up to 90% LTV on primary residence and 80% on cash-out refinance; minimum 620 FICO; loan amounts up to $4,000,000.
• Fully Documented Income Loans Conventional mortgage loans where income is verified using tax returns, meeting standard Qualified Mortgage criteria for borrowers with fully verifiable W-2 and tax-documented income.
• DSCR Loans (Rental Property Loans) Investment-property loans that qualify borrowers based on the property's Debt Service Coverage Ratio rather than personal income, allowing real estate investors and first-time buyers to qualify on rental cash flow. Loan amounts up to $4,000,000; down payment as low as 20%; purchase, refinance, and cash-out options; minimum 660 FICO (some programs 600+); eligible property types include single family 1-4 units, multifamily 5-10 units, condos, and townhomes.
• Foreign National Loans Mortgage products for foreign nationals purchasing or refinancing vacation or investment property in the United States without U.S. visa status, Social Security number, or U.S. credit history. Loan amounts up to $4,000,000 (case-by-case up to $10,000,000); LTV up to 75%; covers single family, 1-4 units, condo, condohotel (selectively), PUD, and townhomes; credit score not required (if it exists, 680 minimum); 2-12 months interest reserves; Remote Online Notarization supported.
• No Income Primary Residence Loans Non-QM mortgage loans for primary residence purchase and refinance including cash-out, with little to no income documentation required. Adjustable rate, fixed rate, and interest-only options available; 50% DTI; minimum 660 FICO; minimum down payment 20%; loan amounts up to $3,000,000.
• Profit & Loss Loans Self-employed borrower loans that use 12 or 24 months of profit & loss statements for qualification without requiring tax returns; eligible for primary, second home, or investment property purchase and refinance. Maximum 90% LTV on primary residence, 80% on refinance cash-out; minimum 620 FICO; loan amounts up to $4,000,000.
• Self Employed Loans Loan programs tailored for self-employed borrowers, qualifying via bank statements, profit & loss statements, or DSCR depending on borrower profile. Available across primary, second home, and investment property purchases and refinances.
• Home Equity Loans & 2nd Mortgages Home equity lines of credit and second mortgages allowing borrowers to access equity in their primary, second, or investment properties.
• Hard Money Loans Short-term secured loans funded by private investors and backed by real estate as collateral; property value is prioritized over borrower creditworthiness, enabling fast approval and funding (as fast as a few days). Rate range 9%-11.95%; term 12-84 months; typically 65% LTV (up to 75% for approved collateral); various credit-score options including no-score requirement in South Florida, otherwise minimum 600+ FICO; loan sizes $250,000-$30 million; interest-only payments.
• Fix-n-Flip Loans Short-term loans for real estate investors purchasing distressed properties, renovating them, and selling for profit or refinancing into permanent loans. Underwriting is based on the property's After-Repair Value (ARV) rather than traditional borrower criteria; funding typically within 2-3 weeks.
• Conventional Multifamily Loans Commercial mortgage financing for stabilized multifamily and other commercial properties; loan amounts $300,000-$20,000,000; owner-occupied LTV 90% SBA or 80% bank; investor LTV up to 75%; 3, 5, 7, 10, and 15-year fixed (balloon) options with 15-30 year amortizations; minimum ~680 FICO. Eligible property types include mixed use, retail, office, warehouse, self-storage, light industrial, and additional commercial property types.
• Alternative Multifamily Loans Non-conventional multifamily and commercial lending with flexible documentation, including full documentation, bank-statement, and lite documentation programs. Loan amounts $150,000-$3,000,000; max 80% LTV (75% max cash-out); minimum 725 FICO; 30-year fixed; property types include mixed use, retail, office, warehouse, self-storage, light industrial, dealerships, restaurant, hospitality, auto care, laundry, medical center, and assisted living.
• SBA 504 Loans Long-term, fixed-rate SBA financing for small businesses to purchase major fixed assets such as commercial real estate and long-term machinery, with SBA guaranty support.
• SBA 7(a) Loans SBA's primary business loan program for small businesses with special requirements, providing SBA loan guaranties that enable lenders to provide asset purchase, real estate acquisition, working capital, and owner-occupied property financing. Loan size up to $4,000,000; 90% LTV for primary residence, 80% on cash-out refinance; minimum 680 FICO (lower-score exceptions available); 51% owner-occupancy for existing building, 60% if constructing a new facility.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• A&D Mortgage: A&D Mortgage is a leading Non-QM wholesale and correspondent lender offering bank statement, DSCR, foreign national, and alternative documentation programs — directly comparable to Royal Capital Group's Non-QM product suite and broker-distribution model.
• Lima One Capital: Lima One is a hard money and rental loan lender focused on fix-and-flip and rental/investor property financing — directly comparable to RCG's hard money, fix-n-flip, and DSCR rental product lines.
• Celtic Bank: Celtic Bank is a top SBA 7(a) and SBA 504 lender providing government-guaranteed financing to small businesses — directly comparable to RCG's SBA program offerings.
• Verus Mortgage Capital: Verus Mortgage Capital is a Non-QM-focused correspondent investor purchasing Non-QM loans including DSCR, bank statement, and foreign national — directly comparable to Royal Capital Group's core Non-QM origination focus.
• Deephaven Mortgage: Deephaven is a Non-QM-focused lender specializing in bank statement, DSCR, foreign national, and asset-depletion loans for self-employed and real estate investors — highly comparable to RCG's Non-QM-residential product suite.
• Kiavi (formerly LendingHome): Kiavi is a leading online hard money / fix-and-flip lender serving real estate investors with fast funding and asset-based qualification — directly comparable to RCG's hard money and fix-n-flip programs.
• Angel Oak Mortgage Solutions: Angel Oak is a Non-QM-focused mortgage originator serving self-employed, foreign national, and non-standard-income borrowers through wholesale broker channels — directly comparable to RCG's flagship Non-QM programs.
• Live Oak Bank: Live Oak Bank is one of the largest SBA 7(a) lenders in the US focused on small business and commercial real estate financing — directly comparable to RCG's SBA 7(a) and SBA 504 product lines.

Broad incumbents

• NewRez (formerly New Penn Financial): NewRez is a top-15 national mortgage lender offering both QM and Non-QM (through NewRez Non-Conforming) products through wholesale and retail channels — a broader incumbent with overlapping Non-QM and specialty programs to RCG.
• Carrington Mortgage Services: Carrington is a large multi-channel mortgage originator with a meaningful Non-QM division serving self-employed and non-traditional borrowers — broader incumbent with overlapping product set to RCG's bank statement, P&L, and DSCR programs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Royal Capital Group