Riverside Park Capital

What Riverside Park Capital does

Riverside Park Capital is a direct private lender headquartered at 10 Times Square, New York, founded in 2001. The company originates real estate loans ranging from $500,000 to $10,000,000 across six product lines: DSCR Rental Loan, Fix & Flip Loan, Ground-Up Construction, Commercial Permanent, Commercial Bridge, and SBA 7(a) & 504. It serves real estate investors — buy-and-hold operators, fix-and-flip investors, ground-up developers, value-add acquirers, commercial real estate investors, and SBA-eligible small business owners — across all 50 U.S. states with concentrated activity in the top 200 metropolitan statistical areas.

The platform is structured around a fully digital self-serve application that returns an indicative rate in 90 seconds without a credit pull. Riverside Park Capital operates as a direct lender with in-house underwriting, funding, and servicing capabilities, using its own capital alongside institutional partners to fund originations. End-to-end ownership of the loan process — including appraisal coordination, title work, and closing — supports an average 14-day close timeline and a fastest reported bridge close of 7 days. Senior loan officers own each file from term sheet through wire as a single point of contact.

The business model is interest income on originated loans supplemented by origination economics; loan products carry rates ranging from 5.75% (DSCR) to 10.75% (Construction / Bridge) with monthly billing and interest-only structures on transitional products. The company reports $5B+ in cumulative funded loans and 9,117 closed loans since inception. Marketing is conducted through the company website, direct phone, and email, with no paid advertising or social media presence evidenced. The company employs 1-10 people and operates as a privately held firm without disclosed institutional equity investors.

Name

Riverside Park Capital

Legal name

Riverside Park Capital

Website

https://riversideparkcapital.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Riverside Park Capital is a direct private lender originating $500K-$10M real estate loans across DSCR rental, fix-and-flip, construction, commercial permanent, bridge, and SBA products for real estate investors in all 50 U.S. states.

Ownership category

akta.pro rank

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Direct lender earning interest income on originated loans. Funds loans with own capital and institutional partners. Loan amounts range from $500,000 to $10,000,000 with interest rates varying by product type from 5.75% to 10.75%.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Riverside Park Capital is a direct private lender originating real estate investment and commercial real estate loans ranging from $500,000 to $10,000,000. It underwrites, funds, and services loans in-house using its own capital and institutional partner capital, offering DSCR rental, fix and flip, ground-up construction, commercial permanent, commercial bridge, and SBA 7(a) & 504 products across all 50 U.S. states with an average 14-day close timeline.

Product overview

Riverside Park Capital operates as a direct private lender offering real estate loans ranging from $500K to $10M across six distinct products: DSCR Rental Loan, Fix & Flip Loan, Ground-Up Construction, Commercial Permanent, Commercial Bridge, and SBA 7(a) & 504 loans. The company underwrites, funds, and services all loans directly with their own capital and institutional partners, operating across all 50 U.S. states with a focus on the top 200 metropolitan statistical areas and achieving a 14-day average closing timeline.

Differentiator

Problem solved

Functional benefit

Products and services

• DSCR Rental Loan Long-term financing for income-producing rental properties, qualified on rental income (DSCR) rather than personal W-2 income or tax returns. Offers 30-year terms, up to 80% LTV, no personal income or tax return requirements, cash-out refinance options, and LLC vesting acceptance. Eligible properties include single-family, 2-4 unit, condos, and townhomes. Designed for buy-and-hold real estate investors.
• Fix & Flip Loan Short-term acquisition and rehabilitation financing combining purchase and rehab costs in a single loan. Provides 12-24 month terms, up to 90% LTC, 100% of rehab budget funded through an in-house draw process, no prepayment penalty, and accessibility for first-time flippers. Intended for residential fix-and-flip operators.
• Ground-Up Construction Loan Financing for new residential construction combining land acquisition and vertical construction draws within a single facility. Structured with 12-24 month terms, up to 85% LTC, interest-only payments during the construction phase, streamlined draw schedules, and builder-friendly terms.
• Commercial Permanent Loan Long-term financing for stabilized commercial real estate including multifamily (5+ units), office, retail, industrial, mixed-use, and self-storage. Offers 5-10 year terms, up to 75% LTV, cash-out refinancing to 75%, and non-recourse options for qualifying deals.
• Commercial Bridge Loan Short-term transitional capital for value-add, transitional, and time-sensitive commercial real estate deals. Features 12-36 month terms, up to 70% LTV, interest-only structure, light-documentation underwriting, close timelines as few as 7 days, and bridge-to-permanent financing options.
• SBA 7(a) & 504 Loan SBA-backed financing for owner-occupied commercial real estate with 10-25 year terms, up to 90% LTV, long amortization periods, and the ability to combine working capital needs with the property financing. Restricted to owner-occupied CRE only.

Quantifiable outcome

• 14-day average loan close time
• +3 more outcomes

Named customers3 records

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 indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Kiavi: Formerly LendingHome; one of the largest tech-enabled direct lenders to real estate investors, with a heavy focus on fix-and-flip and bridge lending. Direct competitor in the same product categories and borrower segments.
• A10 Capital: Direct commercial real estate lender providing bridge, construction, and permanent financing. Comparable CRE-focused product mix and direct-lending distribution.
• JMAC Lending: Direct lender offering DSCR, fix-and-flip, and other real estate investor loan products nationwide. Comparable direct-to-borrower model and product range.
• Groundfloor: Real estate investment platform providing short-term fix-and-flip and rental financing to individual investors. Comparable direct-lending model with digital origination.
• Visio Lending: Specialty direct lender focused on DSCR rental loans to individual and small-portfolio real estate investors. Closely overlaps with Riverside Park's DSCR product and investor borrower base.
• Lima One Capital: Direct private lender to real estate investors offering DSCR rental, fix-and-flip, new construction, and multifamily financing. Closely comparable product mix, customer base, and direct-lending model.
• American Heritage Lending (AHL): Non-QM and DSCR lender offering long-term rental and investor loan products nationwide. Comparable in product range and direct-to-consumer channel strategy.
• Angel Oak Mortgage Solutions: Non-QM and investor-focused lender offering DSCR, bank statement, and other non-traditional products. Comparable focus on non-W-2 qualifying investors.
• CoreVest (now a Redwood company): Direct lender specializing in rental portfolio, fix-and-flip, and single-family build-to-rent financing to real estate investors. Highly comparable product set and target customer.

Broad incumbents

• NewRez (Rithm Capital): Large mortgage origination platform with a meaningful non-QM/DSCR division serving real estate investors. Overlaps in product but operates at much greater scale and as part of a broader capital-markets franchise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/riverside-park-capital

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 Riverside Park Capital