About RBI Private Lending
At RBI Private Lending, we’ve offered highly competitive private loans since 2015. We aim to provide our customers who have limited access to credit, with the lowest available rates and fees.
Who We Are
Our group is composed by experienced individuals that will provide financial services tailored to your needs. After years of experience in the industry, we are confident that we will accomplish your goals by providing you with a competitive proposal in less than 48 hours and provide you with the service you deserve.
Efficient and personalized solutions for real estate investments.
Being the leader in real estate investments while preserving high standards and quality service.
Meet the Team
Chief Executive Officer Member of the Board
Mr. Rostoker obtained a degree in Industrial Engineering and Economics from the University of Miami and a Masters in Accounting from Nova University. He also completed the Advanced Management Development Program in Real Estate at Harvard. His experience includes working as a Stock and Bond Operator and Analyst at Bank of America Merrill Lynch and was part of the Risk and Internal Audit department at 100% Banco. As an entrepreneur, Ernesto founded RBI Auto Loans in 2014 and RBI Private Lending in 2015 and has been responsible for the firm’s growth and management ever since.
Chief Financial Officer Member of the Board
Mr. Rostoker obtained a degree in Business and Economics from Universidad Metropolitana de Caracas and a Masters in Accounting from Nova University. Most recently, Leonardo completed a certificate in Digital Assets at Cornell University. He is an accountant and Licensed Title Agent of the state of Florida and serves as internal auditor for RBI Alliance. His experience in the finance field include working at BVC (Bolsa de Valores de Caracas – Caracas Stock Exchange) and in the Risk and Credit department at 100% Banco.
Chief Commercial Officer Member of the Board
Mr. Saias earned a Bachelor of Arts in Economics and Bachelor of Science in Business Administration with a concentration in Finance at Boston University’s Questrom School of Business, and a Masters in Real Estate at Georgetown University. His previous experience includes working in banking at 100% Banco in Venezuela. Mr. Saias leads the group’s commercial initiatives with borrowers, brokers, investors and secondary markets.
Chief Collection Officer Member of the Board
Mr. Rodriguez obtained a degree in Public Accounting and a title of Analyst and Interpretation of Financial Statements from the prestigious IESA of Caracas (Institute of Superior Studies in Business Administration). He previously worked in the Risk and Credit department at 100% Banco and went on to co-found Quality Credit Alliance, where he was responsible for internal operations, and was head of the Accounting Department. Mr. Rodriguez completed an advanced certificate in Anti-Money Laundering.
Chief Operating Officer Member of the Board
Mr. Cohen graduated with a Bachelor of Science degree in Supply Chain and Information Systems with a minor in Economics from The Pennsylvania State University and a Master of Science in Finance from the University of Miami. Before joining RBI, Eli worked for 4 years at Glide Capital as Head of Operations overseeing the structuring and management of more than 100 funds with $700M+ in AUM focused on private credit and other alternative investments.
Michael J. Seiler
Chief Behavioral Strategist
Dr. Michael J. Seiler is a Professor at the College of William & Mary and has been a Visitor at Harvard University, University of Cambridge, London School of Economics, and Johns Hopkins University. A former hedge fund Chief Economist, Dr. Seiler is currently the #1 ranked real estate researcher, and actively serves as an expert witness and consults in the areas of behavioral and experimental real estate and finance.
Do you make personal loans?
We do not make personal loans, only for real estate investment.
What kind of real estate loans do you make?
RBI finances real estate investments, both the purchase of properties for rent or second residence, as well as renovations for subsequent resale. We also finance the real estate development
What is the interest rate and loan term?
Usually, loan rates are 9% and 1.75% points. Loan terms are 12-36 months
What is the loan type?
Most our loans are interest only, which means a fixed interest is paid throughout the term and full balance at maturity. For example, a $100,000 with 12 months term and 9% rate will yield 12 monthly payments of $750 and a final payment of $100,000
What happens if I sell the property or prepay the loan before maturity?
In most of our loans there is no prepayment penalty.