Your partner in private commercial real estate lending

Get the care you need, from professionals who are leaders in their fields.  


About Us


Reef Private Credit provides efficient and transparent underwriting and loan servicing capabilities to the residential and commercial real estate markets. Each transaction is evaluated based on the underlying asset and the ability to drive long-term value through operating improvements, asset management, or servicing. We help borrowers realize the full potential of their projects by being a partner of choice to support both the near and long-term capital needs of a property.

Securing private commercial real estate financing can be intimidating due to its complexity. Our financing solutions through our parent company Reef Capital Partners address the needs of borrowers looking for fast and transparent solutions.  Reef Private Credit excels in facilitating innovative real estate financing solutions tailored to the specific needs of each borrower. Our solutions provide funds for the acquisition, rehab, or construction of real estate projects located throughout the United States.

370


total transactions 
closed since its founding in 2005

12+


years of success providing creative and flexible financing 

60%


of the capital participating in new PCG-serviced loans

WORKING TOGETHER

Reef Private Credit offers a full range of services to handle all aspects of loan servicing, including construction draw administration and processing work, using a proprietary software platform to help borrowers reach successful outcomes. 

01


For each project, we assist borrowers through the underwriting and funding process to help our teams be fully prepared to monitor loan reserves, construction contracts, design, scheduling, and budgets on a cost-effective basis from the date of funding

02


Our team conducts an initial site visit to meet with key team members of the project and sponsor to review the project and related estimates and plans

03


We offer services to assist each borrower in accomplishing their exit strategy, and coordinate workouts to address the inevitable adjustments to plans and budgets as a project progresses.

04


If your project doesn't go the way it was initially drawn up, we work with borrowers through special servicing arrangements to find mutually beneficial solutions to resolve distress to a loan. 
Our Approach

FLEXIBLE CAPITAL SOLUTIONS
RPC offers flexible capital solutions to primarily lower-middle market real estate borrowers. We offer low application fees and a quick turnaround time so borrowers can spend more time focusing on their projects. Whether it's rehabbing hotels, office buildings, or apartment complexes, financing the purchase of a stabilized commercial property, or working on the horizontal or vertical development of an up-and-coming area, RPC excels in facilitating innovative real estate financing solutions tailored to the specific needs of each borrower.

FULL RANGE OF SERVICES
RPC offers a full range of services to assist borrowers, including a proprietary software platform to help borrowers and lenders reach successful outcomes. For each project, we monitor loan reserves and track progress and potential exits. Our team will conduct an initial site visit to meet with key sponsor members and review the project and related budgets. RPCG handles the loan administration, payment processing, managing loan reserves, approving construction draws, and monitoring compliance with loan documentation to allow borrowers to focus on the success of their projects. Borrowers can expect regular interactions with our team to provide them assistance and identify and resolve concerns as quickly as possible. We have extensive experience in servicing commercial real estate loans across industries and throughout the United States. 
EXPERIENCED SPECIAL SERVICING
We also provide special servicing, resolution, and loan workout-related services for sub-performing, delinquent, or defaulted commercial and multi-family real estate assets, including, when necessary, managing the disposition aspect of the process. If a loan becomes non-performing, RPC will first work with the borrower to identify potential solutions that are mutually beneficial to lenders and borrowers. When its special servicing experience is needed, RPC will develop a plan and budget by performing an initial analysis that includes a review of the underlying collateral, assessment of the current borrower and operation, and identification of issues regarding licensing, regulatory compliance, tax, insurance, and other risks. While we are responsible for enforcing the loan documents, we will engage, direct, and monitor outside legal counsel and other professionals, as necessary, to administer all legal proceedings (including foreclosure, bankruptcy) and managing and marketing any owned real estate.  

Representative Loans


WESTGATE


Senior Secured Loan to developer to complete on-site infra-structure improvements on a 66-acre mixed-use development
  • Loan Amount: $15,630,000
  • Colorado Springs, CO

BOULDER CREEK PHASE III


Senior Secured Loan on approximately 18 acres of commercial property in Saint George, Utah
  • Loan Amount: $10,750,000
  • Santa Clara and Ivins, UT

OLD TOWN COMMERCIAL


Senior Secured Loan on a prime commercial property in Old Town Park City 
  • Loan Amount: $1,780,000
  • Park City, UT

BLACK DESERT RESORT


Senior Secured Loan on over 560-acre development property adjacent to Entrada resort in St. George, UT. Development plans include golf course, hotel, commercial, retail, and multi-family/resort housing
  • Loan Amount: $35,090,000
  • Santa Clara and Ivins, UT

91 MONTAGUE EXPRESSWAY


Senior Secured Loan to a developer for acquisition of multi-family site
  • Loan Amount: $7,500,000
  • Milpitas, CA

ALCOA II


Senior Secured Loan to developer to complete on-site infra-structure improvements on a 260 acre mixed-use development
  • Loan Amount: $14,745,000
  • Alcoa (Knoxville area), TN

LOMBARD


Senior Secured Loan to property owner to refinance a 209,000 square foot office building and data center and to provide funds for building improvements and leasing costs
  • Loan Amount: $16,900,000
  • Lombard (Chicago area), IL

GRAND TEXAS COMMERCIAL


Senior Secured Loan to developer to refinance a 75 acre retail development site.
  • Loan Amount: $7,740,000
  • Patton Village (Houston area), TX

PARK CITY MAIN


Senior Secured Loan to developer to refinance several commercial properties, five condominiums and 65 fractional interests in condominiums
  • Loan Amount: $13,060,000
  • Park City, UT

THE PINNACLE


Senior Secured Loan to developer to construct a 12-unit condominium project
  • Loan Amount: $5,906,000
  • Atlantic Beach, NC

DORCHESTER AVE


Senior Secured Loan to a developer to acquire several parcels of land for a high-rise condominium project
  • Loan Amount: $19,640,000
  • Boston, MA

INDIGO HOTEL


Senior Secured Loan to developer to acquire an approved hotel development site.
  • Loan Amount: $7,875,000
  • Saratoga Springs, NY
Become a

Private Financing Partner


Our parent company Reef Capital Partners provides transparency, ease, and industry specialization to help borrowers realize the full potential of their projects. 

 If you are in need of financing:
Learn More

Flexible Lending
Solutions

Reef Private Credit provides transparency, ease, and industry specialization to help borrowers realize the full potential of their projects through flexible lending solutions.

If you are in need of financing:
Learn More
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