Royal Capital Group

About Royal Capital Group

Headquartered in Miami Beach, FL, Royal Capital Group is a private lender offering funding throughout Florida. They provide hard money loans for commercial properties, private refinancing, and short term bridge loans. Their lending guidelines are flexible, including rates ranging between 9% and 13%, terms between 6 months and 3 years, and loan amounts ranging from $2,500,000 to $100,000,000 with a maximum LTV of 90%. They provide loans on various types of properties, including multi family residences, apartments, office buildings, retail storefronts, hotels/motels, storage buildings, assisted living facilities, mixed use spaces, warehouse buildings, industrial buildings, and medical buildings.

Loan Types Offered: Commercial Hard Money Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Multi Family, Apartment, Office, Retail, Hotel, Storage, Assisted Living, Mixed Use, Warehouse, Industrial, Medical

Areas Served: FL

Lending Guidelines for Royal Capital Group

Below are the general loan guidelines published on the Royal Capital Group website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Royal Capital Group.

Loan Example 1

To facilitate her business, Amanda decides to buy a new commercial building. After being denied a standard loan from her credit union, she secures a commercial hard money loan from Royal Capital Group. The new property carries a price tag of $170,000. Amanda will need to put 20% down, or $34,000, since the lender will fund only 80% of the purchase (the loan to value or "LTV"). This means the principle on the loan will be $136,000. The loan also includes a 12 month term, a 9% rate of interest, interest only payments paid each month with a balloon payment at the end of the note (without a pre-payment penalty), and a 4 percent origination charge. Amanda can eliminate the note at any time by paying off the $136,000 of principle, but she will have to make $1,020 /month interest payments ($136,000 principle x 9% interest / 12 months) in the meantime, or until the note expires. Since there is no pre-payment penalty, the only other expense she would have is the $5,440 origination charge which she will contribute at closing.

Loan Example 2

Royal Capital Group issues a private money bridge loan to Gerald for a renovation project in Miami, FL. The deal dictates the following:

a) A $340,000 sales price, b) a 75% loan to value (LTV), c) a 12 month term, d) a 11% interest rate, and e) a 3% origination fee.

If Gerald accomplishes his goal of a $493,000 sales price, the final numbers of the deal will be as follows:

$493,000 sales price
- $255,000 principle on note (75% LTV)
- $85,000 down payment (25% on 75% LTV)
- $7,650 origination fee (3% of the $255,000 principle)
- $28,050 total interest paid (12 months x 11% interest)
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= $117,300 gross profit (does not include taxes or renovation costs)

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