RBI, Your Award-Winning Private Money Lender
RBI Private Lending has been a driving force in hard money lending since 2015. We’ve helped real estate investors in over 40 states get deals done, fast and reliably.
Our results speak for themselves. In the past two years alone, we managed over $1.2 billion in capital—proof that we can handle big volumes and complex transactions without blinking.
Key Performance Metrics:
- 10+ years of industry experience
- 24-48 hour approval turnarounds
- 7-12 day average closings
- No prepayment penalties on most loans
We work with a wide range of clients, foreign nationals, startups, and borrowers with thin credit files. Our flexible mindset lets us open doors for private debt investors and first-timers alike.
Our Core Loan Programs:
- Bridge loans for quick acquisitions
- Fix & flip financing
- Ground-up construction loans
- Investment property refinancing
RBI Private Lending works as a direct lender, so you don’t have to deal with middlemen or slow funding chains. We care about the property’s value, not just your FICO score.
We offer 9.99% interest rates and flexible 12-36 month terms—competitive for real estate investors. The 1.75% origination fee is straightforward, no hidden surprises.
Clients rave about our speed, professionalism, and reliability. Real estate pros keep recommending us for a reason—they know we deliver.
Our Recent Awards
We picked up several industry awards in 2025, getting noticed for our construction lending, fix and flip financing, and overall private lending chops. These nods show we’re not just talking a big game—we’re delivering for borrowers who need speed and certainty.
Scotsman Guide Magazine – 3rd Top Construction Lender in the US
Our construction lending team landed the third spot among all U.S. construction lenders in Scotsman Guide Magazine’s 2025 rankings. That’s a big deal and reflects how quickly and efficiently we fund residential and commercial builds.
We originated more than $200 million in loans during the qualifying period. Our average loan processing time dropped to just 18 days—way faster than the industry’s 35-day average.
What pushed us up the ranks:
- Loan approval rate: 87%
- Average loan size: $530,000
- Geographic coverage: 42 states
- Repeat borrower rate: 74%
Our construction team is packed with licensed pros averaging 12 years in the business, and we’ve built relationships with over 1,200 general contractors nationwide.
With fierce competition in construction lending, landing third place really highlights our streamlined process and rates starting at 8.25% for qualified borrowers.
Scotsman Guide Magazine – 8th Top Fix and Flip Lender
We grabbed eighth place nationally in Scotsman Guide’s fix and flip lender rankings for 2025. This spot shows our fix and flip team knows how to get real estate investors and house flippers the funding they need—fast.
Our fix and flip portfolio saw $139 million in originations during the review period. We funded 391 projects, with the average loan coming in at $364,000.
Fix and flip lending by the numbers:
- Average funding time: 12 days
- Interest rates: 9.75% – 13.25%
- Loan-to-cost: Up to 90%
- Coverage: 42 states
We team up with seasoned investors who average 8.3 flips per year. Our borrowers finished 92% of projects on time—impressive in this business.
Our underwriting crew includes ex-contractors and appraisers who really “get” renovation costs and after-repair values. They don’t just crunch numbers, they know what makes a project pencil out.
Scotsman Guide Magazine – 13th Top Overall Top Private Lender for 2025 in the US
Scotsman Guide Magazine put us at 13th overall among private lenders nationwide for 2025. That’s a broad ranking, measuring everything from loan volume to business performance.
We funded $507 million in total loan volume across all our divisions—construction, fix and flip, bridge, and commercial real estate included.
Some quick stats:
- Total loans funded: 1,011
- Average borrower satisfaction: 4.7/5.0
- Customer retention: 81%
We earned this spot among lenders with decades in the game—even though we’ve only been originating loans for ten years. Not bad, right?
Our diversified approach lets us serve all kinds of borrowers. Each loan type has its own underwriting process, but we use shared tech to keep things efficient.
Forecasa – 10th in Lender Loyalty
Forecasa’s 2025 loyalty study ranked us 10th nationally for borrower retention and satisfaction. Basically, our clients keep coming back—and they bring their friends.
We maintained an 83% retention rate among borrowers who finished their first loan with us. Our Net Promoter Score hit 67, which means plenty of folks are recommending us.
What keeps clients loyal:
- Lower rates for repeat borrowers
- Priority processing for returning clients
- Dedicated relationship managers
- Less paperwork for repeat business
Borrowers often mention our fast responses and clear fee structure. On average, we reply to inquiries in under four hours, sometimes much faster.
Why Our Awards Matter to You Our Loyal Customers
Our Award-Winning Loan Programs Deliver Proven Value
Our loan programs get recognition because they work for real clients in all kinds of situations. We design every product with tested strategies that speed up approvals and cut down on hassles. The awards back up our investment strategy for building long-term relationships, not chasing quick wins. That’s why we keep our rates sharp, and our terms are flexible. everyone’s situation is different, and we get that. We use a mix of analytics and personal review in our underwriting. This approach lets us say yes when other lenders might say no, but we keep things responsible. What sets our programs apart:- Fast approvals
- Custom repayment plans
- Competitive rates
- Flexible qualifications
Recognized by Respected Industry Experts Scotsman Guide Magazine and Forecasa
Top publications like Scotsman Guide and Forecasa put lenders through the wringer—client satisfaction, loan quality, operational efficiency, you name it. When they recognize us, it means something. Private banking awards are a decent pulse-check for who’s leading the pack and who’s just treading water. These outlets don’t hand out praise easily, they dig into the details. They look at things like:- Client retention
- Loan performance
- Efficiency stats
- Customer service
Hundreds of Partners Over Thousands of Loans Demonstrate the Service and Value We Bring
Our network and loan volume show we’re not just a flash in the pan. We’ve closed thousands of loans and built solid relationships with hundreds of partners—through good markets and bad. That kind of track record proves we know how to handle tricky deals and deliver, no matter what the market’s doing. Our partners stick around because we keep our promises and usually find ways to go above and beyond. Some numbers behind our service:| Metric | Achievement |
| Partner Retention | 95%+ annually |
| On-time Closings | 98% success rate |
| Client Referrals | 40% of new business |
RBI’s Award-Winning Loan Programs
We run a direct lending platform built for real estate investors and developers. Our three main loan programs offer fast approvals, solid terms, and flexible repayment built around your project’s needs.New Construction Loans
We offer straightforward new construction financing for ground-up projects. You’ll get 12-24 month terms and interest-only payments while you build. Key Features:- Loan amounts: $100,000 to $5 million
- Loan-to-cost: 70-80%
- Draws released by construction milestones
- No prepayment penalties
Bridge Loans for Real Estate Development
Our bridge loan program gives you the quick, short-term financing you need for time-sensitive real estate deals. These loans fill the gap between your immediate funding requirements and longer-term financing solutions. Typical Use Cases:- Property acquisitions needing a fast close
- Refinancing old debt
- Cash-out for new investments
- Transitional property improvements
Fix and Flip Loans
We’re known for fix and flip financing built for real estate investors buying distressed properties to renovate and resell. Our program bundles both acquisition and rehab funds into one loan—which makes things a lot simpler. Program Structure:- Funding for purchase price at closing
- Renovation draws released on schedule
- 9-18 month loan terms
- Up to 90% of purchase, plus 100% of rehab costs
Why is RBI an Award-Winning Private Money Lender?
We’ve earned recognition because of our experienced team, a fast and efficient closing process, transparent pricing, and a flexible lending approach that works for both U.S. and international clients. These strengths make us a top private credit manager in today’s market.
RBI’s People
Our staff is made up of seasoned professionals with decades of combined experience in private credit and real estate finance. Each loan officer brings their own expertise in underwriting, risk, and market know-how.
We’re selective about who we hire—only people with a strong track record in private lending make the cut. Our underwriters hold advanced certifications and keep up with industry training.
Key team qualifications include:
- 15+ years on average in private lending
- CRE finance certifications
- Local market knowledge
- Multilingual skills for global clients
Our relationship managers focus only on private credit transactions, so they’re able to handle complex deals and offer quick, customized solutions.
We put a lot of effort into ongoing training for our team. Regular market updates and compliance training keep us sharp and up to speed on the latest best practices.
RBI’s Quick Closing Process
We usually close loans in 10-15 business days after approval. Our streamlined underwriting process avoids pointless delays but still covers all the bases.
Our typical timeline:
| Stage | Duration |
| Initial review | 24-48 hours |
| Property appraisal | 3-5 days |
| Final underwriting | 2-3 days |
| Documentation | 2-4 days |
| Funding | Same day |
We’ll pre-approve qualified borrowers before they even find a property, which means you can make stronger offers and close faster when the right deal pops up.
Our in-house legal team handles all the paperwork, so we don’t have to wait for outside counsel on standard deals which minimize delays.
We use digital documents and e-signatures to keep things moving. Most paperwork can be handled remotely, so you don’t have to waste time on in-person meetings.
RBI’s Competitive Rates
Our rates usually fall between 8.5% and 12.5%, depending on loan-to-value, property type, and your experience. We keep our pricing transparent—there are no hidden fees or surprise charges.
We offer interest-only payments during the loan, so you keep more cash flowing for your investments. If you’re a repeat client, we often waive or minimize prepayment penalties.
What affects your rate?
- Location and condition of the property
- Your real estate experience
- Down payment size
- The clarity of your exit strategy
As a private credit manager, we can price flexibly based on the deal—not just some rigid institutional rules. Building strong relationships with our borrowers often leads to better rates next time around.
We keep an eye on the market and adjust pricing to stay competitive. Our rates usually stack up well against other private lenders in our area.
RBI’s Flexible Asset-Based Lending to Citizens and Foreign Nationals
We approve loans for U.S. citizens, permanent residents, and foreign nationals—everyone gets a fair shot. We care more about the property value and your liquidity than your citizenship or U.S. credit history.
Foreign nationals can qualify with international bank statements and proof of assets. We accept documents in various languages and work directly with overseas banks for verification.
We accept as collateral:
- Single-family homes
- Multi-unit properties (2-4 units)
- Commercial real estate
- Mixed-use buildings
- Land with development potential
Our asset-based model looks at the property and your assets, not just your debt-to-income. Self-employed individuals and those with challenging income streams tend to find our process more forgiving than the bank’s.
We’re open to non-traditional income, like rent, investment payouts, or foreign earnings, for qualification.
RBI’s Bilingual Staff
Our bilingual staff helps our clients and partners in English and Spanish, significantly benefiting foreign nationals seeking loans by bridging language barriers and fostering trust. Our staff members can clearly explain complex loan terms, eligibility criteria, and application processes in the client’s native language, reducing misunderstandings and ensuring informed decisions. Their cultural competence also helps address unique concerns, making clients feel valued and understood. This personalized support enhances accessibility, streamlines communication, and increases the likelihood of successful loan applications, ultimately empowering foreign nationals to achieve their financial goals.
Frequently Asked Questions
If you’re looking for financing from a top private lender, you probably want the nitty-gritty on what it takes to qualify, what rates look like, and how we stack up against traditional lenders. Knowing the differences can really help you pick the right option for your next deal.
What are the criteria for qualifying for a loan from a private lender?
Private lenders focus on the property’s value and investment potential, not just your credit score. Most look at the loan-to-value ratio, usually between 65% and 80% of the property’s appraised value.
Private money lenders for real estate investors care a lot about your track record. You’ll probably need to show you’ve done deals or managed properties before.
Income verification is usually more flexible than at a bank. Lenders might accept rental income projections, P&L statements, or just bank statements instead of pay stubs.
Property condition and location make a big difference in approval. Most lenders require a professional appraisal and may want to inspect the property before finalizing terms.
How do private lenders differ from traditional financial institutions?
Private lenders approve loans much faster than banks. Private lending networks can close in under a week thanks to simpler processes and direct access to funds.
Private lenders focus on the asset, not your credit score. That means investors with imperfect credit can still get financing if the property is solid.
Documentation is lighter with private lenders. Banks require substantial paperwork, but private lenders usually keep it simple.
Rates from private lenders are higher than traditional mortgages, but the speed and flexibility they offer often make up for it when you need to move fast.
Private lenders can customize loan terms to fit your project—interest-only payments, balloon payments, you name it.
What due diligence process should be followed when selecting a reputable private lender?
We always suggest checking the lender’s license with state regulators. Licensed lenders must meet certain standards and disclosure rules that protect you.
Look into the lender’s track record and reviews. Award-winning lenders usually show off their recognition and can give you references if you ask.
Go through all the paperwork before you sign. A reputable lender won’t hide fees or slip in surprise charges at the last minute.
Make sure the lender has the funds and can close on time. Established lenders should be able to prove their capacity without hesitation.
Double-check their office address and contact information. Legitimate lenders have brick and mortar offices and offer several ways to get in touch.
What interest rates can be expected when securing a loan from an award-winning private lender?
Rates from private lenders usually run between 8% and 15% per year, depending on the loan and property type. Short-term fix-and-flip loans are often at the higher end; longer-term rental loans tend to be lower.
We’ve seen that lower loan-to-value ratios mean better rates, since there’s less risk for the lender.
Where the property is and what shape it’s in also matter. Prime locations and turnkey properties get the best rates; heavy fixer-uppers typically do not.
If you’ve got a strong track record, you can often negotiate lower rates based on your experience and relationship with the lender.
Points and origination fees are common—usually 1% to 4% of the loan amount—so be sure to factor those into your total costs.
What types of loans are available, and what are their requirements?
Private lenders offer a range of loan types, including fix-and-flip loans, bridge loans, and rental property loans. See our loan programs here.
