Commercial Refinance Review - RPL Commercial Capital, LLC

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Commercial Refinance ReviewRPL2026-08-19T22:55:22-04:00

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RPL focuses primarily on short-term commercial bridge and private-capital solutions. These financings generally carry materially higher interest rates and fees than conventional bank financing. They are intended for situations where flexibility, speed, certainty of execution, or solving a financing problem is more important than obtaining the lowest-cost capital. Terms vary by capital source and transaction.

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1QUICK FIT AND ELIGIBILITY

2SUBJECT PROPERTY

3FINANCIAL PICTURE

4CONTACT AND REVIEW

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Request a Commercial Refinance Review

Thank you for your interest in RPL Commercial Capital.

RPL focuses on refinancing existing commercial real estate. To respect your time, we begin with a brief online review designed to be quicker and easier than an initial phone call. Most qualifying requests take about 5–7 minutes, and requests outside our current focus may finish sooner.

This review is generally for requests that meet all of the following:

• Refinance of existing commercial real estate
• Improved commercial property
• First-lien financing
• Requested financing of $2,000,000 or more
• Verifiable historical property or business income sufficient to support the requested debt

If your request falls outside our current focus, the questionnaire may end early and explain the general reason.

QUICK FIT AND ELIGIBILITY

Is this financing for a purchase or a refinance?*

Refinance

Purchase

This request falls outside RPL’s current focus

RPL is currently focused on refinancing existing commercial properties and is not presently reviewing purchase financing.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

In which state is the subject property located?*

This request falls outside RPL’s current focus

RPL is not currently reviewing transactions involving properties in the selected state.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Florida Transactions

RPL applies conservative internal parameters to Florida transactions. To continue, each condition below must be confirmed.

Is the property currently owned by a business entity, and will a business entity own it at closing?*

Yes

No

I cannot confirm

Has every proposed borrower or co-borrower already been formed as a business entity, and will every borrower or co-borrower at closing be a business entity rather than an individual?*

Yes

No

I cannot confirm

Will any individual be personally obligated to repay or guarantee the financing, including as a borrower, co-borrower, co-signer, guarantor, or otherwise?*

Yes

No

I cannot confirm

Will all financing proceeds be used solely for business or commercial purposes?*

Yes

No

I cannot confirm

This request falls outside RPL’s current focus

RPL applies conservative internal risk parameters to Florida transactions. Based on the information provided, RPL has elected not to pursue this request. This is an internal business decision and not a determination regarding the transaction’s legal eligibility.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Approximately how much financing are you looking for?*

Please enter the amount of financing you are seeking, or your best current estimate.

What is your best current estimate of the subject property’s current market value?*

An appraisal is not required. Please provide your best reasonable estimate of the property’s current market value.

This request falls outside RPL’s current focus

The requested financing amount is below RPL’s current review range.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Which property type best describes the subject property?*

This request falls outside RPL’s current focus

RPL is not currently reviewing ground-up construction or development projects.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

This request falls outside RPL’s current focus

RPL is not currently reviewing mobile-home parks or manufactured-housing communities.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

This request falls outside RPL’s current focus

RPL is not currently reviewing residential properties containing one to four dwelling units.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

This request falls outside RPL’s current focus

RPL is not currently reviewing vacant or pre-development land.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Selective property-type review

RPL reviews this property type selectively. Opportunities generally need strong documented historical performance, conservative leverage, stable occupancy or operations, complete and reliable information, and a credible path to a capital source within RPL’s current network. Continuing the questionnaire does not mean the request will qualify.

Retail property review

RPL reviews retail properties selectively. We are generally most interested in properties supported by strong national or regional credit tenants, particularly under NNN or similarly durable lease structures.

Are crematorium services performed on the subject property?*

No

Yes

I cannot confirm

This request falls outside RPL’s current focus

Based on the information provided, the property does not meet RPL’s current internal criteria for funeral-home transactions.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Does the hotel meet all three of the following requirements?*

It is currently operated under a recognized hotel brand or flag; it is an interior-corridor property; and it has established historical operating results.

Yes — all three are true

No

I cannot confirm

This request falls outside RPL’s current focus

Based on the information provided, the property does not meet RPL’s current internal criteria for hotel transactions.

We appreciate your interest and wish you success with your financing.

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Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Is the property anchored or supported by at least one strong national or regional credit tenant?*

Yes

No

I cannot confirm

This request falls outside RPL’s current focus

Based on the information provided, the property does not meet RPL’s current internal criteria for retail transactions.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

SUBJECT PROPERTY

Subject Property Address

Property Street Address*

City*

State

Alaska

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Colorado

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Connecticut

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Delaware

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Florida

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Georgia

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Hawaii

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Indiana

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Kansas

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Kentucky

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Louisiana

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Maine

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Maryland

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Massachusetts

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Mississippi

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Missouri

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

New Hampshire

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

New Mexico

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Ohio

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Oklahoma

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Pennsylvania

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Rhode Island

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

South Carolina

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Tennessee

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Texas

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Virginia

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Washington

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

West Virginia

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Wisconsin

Selected during the eligibility review. Use Previous if it needs to be corrected.

State

Wyoming

Selected during the eligibility review. Use Previous if it needs to be corrected.

ZIP Code*

To the best of your knowledge, has the subject property ever involved fuel sales or storage tanks, dry-cleaning, auto repair or body work, heavy industrial or hazardous-material use, known contamination, an environmental lien, a cleanup obligation, or another environmental concern?*

This response is based on your present knowledge and is not an environmental investigation or certification.

No

Yes

I cannot confirm

This request falls outside RPL’s current focus

RPL is not currently reviewing properties with known or uncertain environmental concerns.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

FINANCIAL PICTURE

Current Debt and Refinance Request

Approximately how much is currently owed on all loans secured by the subject property?*

Include mortgages, deeds of trust, lines of credit, and any other debt secured by the property. Enter $0 if no loans are currently secured by it. A formal payoff statement is not required—please provide your best current estimate.

What do you hope to accomplish with this refinance?*

Select all that apply.

Refinance or pay off existing property debt, including a maturing loan

Improve cash flow or reduce monthly debt payments

Obtain additional proceeds for property improvements or renovations

Obtain additional proceeds for tenant improvements or leasing costs

Obtain additional proceeds for a partner or ownership-interest buyout

Obtain additional proceeds for a business-related tax or other business obligation

Obtain additional proceeds for another business purpose

Other — please explain

Please briefly explain the other refinance objective.*

Approximately how much in additional proceeds are you seeking?*

Enter the amount you hope to have available in addition to paying off existing loans secured by the property. Do not include the existing loan payoff.

When do you need this financing to close?*

Within 30 days

30 to 60 days

60 to 90 days

More than 90 days

Not sure

What is driving the need for bridge financing rather than conventional bank financing?*

Briefly describe the issue or circumstance—for example, timing, an approaching maturity, property condition or occupancy, documentation, credit, leverage, recent acquisition, business circumstances, or another reason.

How the Loan Will Be Paid

What is the primary verifiable source expected to support payments on the requested financing?*

Rental or other operating income generated by the property

Historical cash flow from a business occupying the property

Historical cash flow from the business entity that owns or will borrow against the property

A combination of property and business cash flow

Documented recurring income of an individual owner or sponsor

No current verifiable source of repayment

This request falls outside RPL’s current focus

RPL requires a current, verifiable source expected to support payments on the requested financing. Based on the information provided, this request falls outside our current focus.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

This request falls outside RPL’s current focus

RPL applies conservative internal risk parameters to Florida transactions. Because the repayment source selected relies on individual owner or sponsor income, RPL has elected not to pursue this request. This is an internal business decision and not a determination regarding the transaction’s legal eligibility.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

For the most recent trailing 12 months, what was the property’s approximate Net Operating Income (NOI)?*

Provide the property’s income after ordinary property operating expenses, but before mortgage payments, depreciation, income taxes, and owner distributions. A current estimate is acceptable at this stage.

Based on the most recent 12 months of actual results, approximately how much cash flow did the business generate that was available to support debt payments?*

Use actual historical results, not projections. A reasonable estimate from the business’s financial statements is acceptable. If more than one business will support repayment, provide the combined amount.

Repayment at Maturity

How do you expect the requested financing to be repaid at maturity?*

Refinance into longer-term financing

Sell the property

Pay off from documented property or business cash flow

Other

Please briefly explain the other repayment plan.*

Property Ownership

When did the current owner acquire the property?*

Enter the month and year.

Approximately how much did the current owner pay for the property when it was acquired?*

If the property was acquired through a transfer rather than a conventional purchase, provide the approximate value attributed to the property at that time.

CONTACT AND REVIEW

Initial screening complete

Based on the information provided, this request appears to fit RPL Commercial Capital’s initial screening criteria and may be appropriate for further review. Please provide your contact information and confirm your relationship to the request.

Contact and Relationship

What is your role in this request?*

Name*

First Last

Email address*

Mobile phone*

Company or firm (optional)

If RPL decides to pursue this opportunity, are you willing and able to arrange a direct conversation between RPL and the borrower or property owner?*

Yes

No

This request falls outside RPL’s current focus

RPL requires direct access to the borrower or property owner before deciding whether to pursue an opportunity. Because you indicated that this access cannot be arranged, this request cannot continue through our current review process.

We appreciate your interest and wish you success with your financing.

Think an answer may have been entered incorrectly?
Select the button below. We’ll return you to the answer that led to this result so you can review or change it.

Is there anything else about the property, borrower, financing request, or circumstances that RPL should know?

Please include any unusual facts, complications, deadlines, or other information that may help us understand the request. Do not enter Social Security numbers, bank-account information, passwords, or other sensitive personal information.

Important Questionnaire Notice

RPL Commercial Capital, LLC is not a lender. This questionnaire is not a loan application to RPL and does not constitute the RPL Borrower Engagement Agreement.

The information provided will be used for RPL’s internal review to determine whether the request may fit its criteria and whether additional information, an agreement, or an introduction to a potential capital source may be appropriate.

Submitting this questionnaire does not obligate RPL to act, does not create an attorney-client, brokerage, advisory, fiduciary, or other professional relationship, and does not guarantee financing or any particular terms. Any capital source will conduct its own review and make its own independent credit decision.

Please do not submit Social Security numbers, bank or credit-card account numbers, login credentials, government identification numbers, full dates of birth, tax returns, bank statements, or other sensitive personal or financial information through this questionnaire. This form is intended only for preliminary transaction information. If RPL later requires supporting documents, RPL will provide separate instructions for delivery.

Submission acknowledgment*

By checking this box and submitting this form, I acknowledge that I have reviewed the Important Questionnaire Notice, certify that the information provided is accurate to the best of my knowledge, and authorize RPL to contact me regarding this request. If I am not the borrower or property owner, I also confirm that I can arrange direct access to the borrower or property owner.

RPL Commercial Capital, LLC
108 Village Square, Suite 149
Somers, New York 10589
Info@RPLCommercialCapital.com

RPL Commercial Capital, LLC is a commercial capital introduction and finder firm. RPL is not a lender, does not make credit decisions, and does not guarantee financing, lender interest, terms, or closing. Information on this website is provided for general informational purposes only and should not be relied upon as legal, financial, tax, lending, underwriting, valuation, or other professional advice. Use of this website, submission of information, or communications with RPL do not create an attorney-client, brokerage, advisory, fiduciary, or other professional relationship. Rob Levine is a licensed New York attorney; however, neither Rob Levine nor RPL provides legal services through RPL Commercial Capital or acts as your attorney in connection with any commercial capital request. Any engagement with RPL is governed by the applicable written agreement.

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