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Ryker Capital funded a $4,875,000 fix-and-flip bridge loan in Manhattan Beach, California, cleared to close in a week, just days after the borrower’s prior lender stalled.

The deal was tied to a 1031 exchange on both the buyer and seller side, where a missed deadline means a lost exchange and a tax liability. A broker brought the file to Ryker Capital after it failed to close elsewhere. We cleared it to funding on a compressed timeline.

Loan details:

• Loan amount: $4,875,000

• Interest rate: 9.00%

• Leverage: 75% LTV, 90% LTC

• Structure: Fix-and-flip bridge with construction holdback

• Location: Manhattan Beach, Los Angeles County, CA

• Time to close: Under 10 days

Ryker Capital closes time-sensitive private lending and trust deed loans quickly because budget review runs in-house and high-priority files move to the front of the line. For 1031 exchanges, construction bridges, and fix-and-flip financing on a deadline, this is what we do.

Ryker Capital provides ground-up construction loans for residential infill developers in Denver, Colorado. In a recent closing, Ryker Capital funded a $4,690,000 first-position construction loan for The Gibson, a 9-unit for-sale townhome development in the Capitol Hill neighborhood of Denver, developed by Ionic Development.

Ryker Capital works with developers building multi-unit, for-sale, and infill residential projects who need construction financing structured for speed and certainty of execution. This project funded with an interest reserve and construction holdback built in, at under 70% of completed value.

What Ryker Capital finances:

• Ground-up construction loans

• Residential infill and multi-unit development

• For-sale townhome and condominium projects

• Bridge and acquisition-plus-construction financing

• Loan amounts from roughly $1M to $50M+

Funded deal profile:

• Location: Capitol Hill, Denver, CO

• Loan amount: $4,690,000

• Rate: 9.99%, interest-only

• Term: 18 months

• Structure: First deed of trust, interest reserve, construction holdback

• Project: 9 for-sale townhomes, ~14,000 sq ft, as-complete value ~$7,133,000

Developers building in Denver and across Colorado can contact Ryker Capital for construction and bridge financing. We structure loans for projects that need to move.

Ryker Capital funded a $2,297,000 ground-up construction loan in Nipomo, California, after the borrower’s prior lender stalled over valuation in a market with limited comparable sales.

The loan financed acquisition and construction of a custom single-family home with a target completed value near $4,000,000. The prior lender struggled to support value against thin comps for a high-end build in the area. Ryker Capital underwrote the deal using direct knowledge of the Central Coast market and funded it at conservative leverage.

Loan details:

• Loan amount: $2,297,000

• Interest rate: 10.00%, interest-only

• Term: 24 months

• Loan type: Acquisition and ground-up construction, first deed of trust

• Location: Nipomo, San Luis Obispo County, CA

• Structure: Construction holdback, sub-60% as-complete loan-to-value

Ryker Capital closes ground-up construction and private lending loans in markets where appraisal comparables are limited, including the California Central Coast. For construction financing, bridge loans, and fix-and-flip funding on a deadline, this is what we do.

Ryker Capital also completed the recapitalization of an approximately $80 million planned unit development (PUD) at the end of its financing term. The transaction required a time-sensitive capital solution to replace maturing debt and stabilize the project’s capital stack. Through a tailored structure and efficient execution, Ryker Capital provided the sponsor with extended runway, improved flexibility, and continuity of control, allowing the project to move forward without disruption despite broader market tightening.

Ryker Capital recently closed the refinance of 8 completed units in Santa Maria CA. Our loan provided 12 months of loan term with interest reserve at 75% LTV. This financing provides the developer with the runway they need to sell units over the coming year.

Ryker Capital provides business-purpose bridge loans for experienced real estate investors and builders whose credit has been temporarily set back. In a funded transaction, Ryker Capital arranged a $1,200,000 first-position bridge loan, through a private investor, to recapitalize a newly completed investment property after the sponsor’s credit dropped during construction. The loan gave the borrower time to restore credit and refinance into permanent financing.

Ryker Capital underwrites these loans on the strength of the asset and the exit, not solely on credit score. When a bank has declined over a credit event, a seasoned borrower with real equity still has a path.

Who this is for:

• Builders and investors with a recent credit setback

• Completed, non-owner-occupied investment properties that don’t yet qualify for bank or Non-QM financing

• Borrowers who need to recapitalize and hold, or bridge to a sale

• Business-purpose loans secured by investment property with meaningful equity

• Low-leverage situations where the collateral carries the loan

Funded deal profile:

• Loan amount: $1,200,000

• Loan type: First-position, business-purpose bridge refinance

• Term: 12 months, interest-only

• Leverage: approximately 31% loan-to-value

• Property: Newly completed luxury home held for investment, East End of Long Island, NY

• Situation: Sponsor’s credit set back during construction; needed to recapitalize

• Exit: Credit repair and refinance, sale, or hold for seasonal rental income

Ryker Capital works with investors, builders, and their brokers when a credit issue has stalled otherwise sound financing. Business-purpose and non-owner-occupied only.

The borrower, an owner-occupant, needed quick access to capital for essential business inventory purchases. Our team was able to close the loan in less than 10 days, providing the borrower with the flexibility and speed they needed to keep their business moving forward.

Borrower needed to refinance his portfolio of single family rental properties in Seattle WA due to a maturing private bridge loan. Ryker Capital was able to provide a quick refinance at 9.75% and 70% LTV which should allow him time to wait for Fed rates to drop before he pursues perm financing.

Ryker Capital has closed the refinance of a portfolio of complete and nearly complete spec homes here in Santa Barbara County. The developer was at maturity with the existing construction loan and needed a longer bridge loan with advantageous release pricing in order to sell units over the coming year. Ryker Capital will continue to provide vertical construction financing for the project's remaining lots moving forward.

Ryker Capital provided buyers with a quick bridge to close their San Francisco triple investment purchase at 60% LTV.

Ryker Capital quickly closed this loan at for a local developer client who needed to replace a maturing land loan and provide another 24-month bridge at 12% to a construction loan. We look forward to the opportunity to lending the vertical construction capital when they are ready.

Ryker Capital was able to fund a short-term refinance as a bri getto sale of this beautiful 100% complete fix and flip. We were able to offer aggressive pricing of 6.99% and 1.5 points on a short-term basis with no minimum interest and no prepayment penalty.

Ryer Capital has closed this new construction loan in record time - one week! The project is a luxury spec home in Malibu California. At a competitive rate of 5.2% over SOFR with a floor that allows the borrower the potential for rate relief if the index lowers.

Ryker Capital has funded a construction loan for a new spec home with a seasoned developer in Brentwood California. This loan was funded in less than two weeks.

Ryker Capital was able to provide a working capital line of credit secured by one vacant parcel and one small single-family rental property.

Ryker Capital has funded a rate and term refinance for a short-term rental near Mauna Lani Beach on the Big Island. We were able to offer a competitive rate for a rarely found private money 30-year fixed loan with a 3-year pre-payment penalty which will allow the Borrower more runway to rent the property as they wait for more affordable bank lending.

Ryker Capital has funded a ground-up construction loan for a repeat client on a fabulous vineyard estate in downtown Sonoma. Upon completion, we expect an ARV on this property to hit well over $10M.

Ryker Capital funded a cash-out refinance of this property which had a loan maturity coming up.

Ryker Capital has recently closed on a new construction loan for this 4-unit condo project in the Lincoln Park area of San Diego.

Ryker Capital has successfully closed on the refinance of this 184-lot subdivision to recast interest reserve and allow for the completion and sale of 32 homes already in vertical construction.

Ryker Capital provided a quick closing on this 4-plex at attractive terms with no appraisal required.

Ryker Capital funded a quick purchase bridge loan at 87% of the purchase price, which equates to 70% of the value upon completion. Terms: 10% for 12-months.

This developer was in need of a refinance and forward construction financing of a new project in prime Venice Beach CA. We funded this loan at $10.75% for 12-months and 2 points.

New construction of a 62-unit project in Sacramento CA, 24 month term at 11.50%.

Ryker funded this hard money purchase loan on an investment property which will be renovated and refinanced. Terms: 10.5% at 70% LTV and 1.75 points.

Ground-up construction loan for wildfire rebuild in Malibu California, 12 month loan term at 9.5%. LTV 65%, LTC 78%.

Ryker Capital quickly closed this land loan at 50% LTV for a 12 month term at a rate of 11.25% and 2 points.

Cash-out business purpose loan in Sonoma California, 24 month loan term at 7.99%. 38% CLTV

Development construction loan for a luxury PUD in Santa Barbara County, 24 month loan term at 8.99%. LTV 67%, LTC 75%

Construction loan for a multi-family project in Martinez, California, 24 month term at 8.49%.

Developer needed cash out for working capital. We were able to secure a fast closing with few questions asked based upon their recent cash purchase of the property. California for 24 month term at 7.99%. CLTV<50%

Business purpose bridge financing for property acquisition in Santa Barbara, California. 12 month term at 10.5%.

Cash-out business purpose bridge loan in Sonoma, California, 90 days at 9.0%.

Cross-collateralized loan for a business property purchase in Sacramento, California, 12 month loan term at 10.5%. CLTV 67%

Loan for mixed-use development consisting of single family homes and commercial buildings in Sacramento, California. 18 month loan term at 8.5% LTV 65%

Construction loan for a single family commercial project in Oceanside California, 12 month loan term for 8.99%.

Construction loan for a fix and flip project in Santa Barbara, California, 9 month loan term for 9.75%.

Bridge loan to purchase a property in Aptos, California, 12 month loan term at 7.99%.