revcaplending.com

What It Is

RevCap (Revolution Realty Capital, LLC) is a U.S. direct private real estate lender headquartered in Carlsbad, California. It focuses on business-purpose real estate financing, rather than payment processing or general consumer finance. Its core customers include real estate investors, fix-and-flip investors, rental portfolio owners, developers, builders, and loan brokers.

Core Services and Coverage

The platform offers four main products: Fix & Flip bridge loans, DSCR rental property loans, Ground-Up Construction loans, and small-balance commercial bridge loans. Loan sizes range from roughly $100,000 to over $10 million, depending on the product. RevCap says it lends in 41 U.S. states and Washington DC, but does not lend in AK, AZ, ND, SD, NV, OR, VT, ID, or UT. Its DSCR product offers up to 80% LTV, optional 30-year fixed rates, and no W-2 or tax return requirements; Fix & Flip loans go up to 90% LTC and may cover 100% of rehab costs; construction loans go up to 85% LTC.

Pricing and Funding Speed

The available materials do not disclose specific interest rates, points, or a full fee schedule, which is the main information gap when assessing total cost. What is disclosed: no upfront fees, no application fee, and no processing deposit; after accepting an LOI, borrowers may need to pay third-party appraisal costs. Speed is one of RevCap’s main selling points: it can issue an LOI within 24 hours, with typical closing/funding in 10–30 days overall, around 30 days for DSCR loans, 14–21 days for construction loans, and as fast as 10 days for Fix & Flip loans.

Compliance, Risk Controls, and Systems

On compliance, the website states that RevCap makes or arranges loans under California Finance Lenders License 60DBO-144905, and clearly states that it only provides business purpose loans, not owner-occupied residential mortgages. For risk control, RevCap emphasizes in-house underwriting and direct capital sources, but loans are still subject to the borrower and collateral meeting its standards. DSCR loans are evaluated based on property cash flow, with DSCR as low as 0.80x accepted, and a 660+ FICO credit score requirement. On the technology side, no API is disclosed, but the company provides a VAULT borrower portal and a FUSE broker portal.

Pros, Cons, and Who It’s For

Its advantages include being a direct lender, fast processing, no upfront application fee, product coverage for common real estate investment scenarios, and broker protection. The drawbacks are limited rate transparency, availability only in certain U.S. states, and a narrow focus on business-purpose investment loans. It is best suited to U.S. real estate investors and brokers who need to secure deals quickly. For Chinese users, website accessibility is unknown, and the business largely depends on U.S. property collateral and local compliance. Alternatives to consider include Kiavi, Lima One Capital, RCN Capital, Visio Lending, or local banks / hard money lenders.