Hard Money Revolving Credit for Real Estate Investors
A revolving capital facility up to $2M for experienced investors who want to fund multiple projects without starting over each time.
Most hard money lending treats every deal like it’s your first. New paperwork, new underwriting, new waiting — even when you’ve closed dozens of projects. The Portfolio Preferred Program is built for investors who have the track record to move faster and need a lending partner that can keep up.
What the Portfolio Preferred Program Includes
Who Qualifies for the Portfolio Preferred Program
This program is designed for active investors with a proven track record. If you need a lender who can keep up with your pace, this is the program for you.
New to RFG
700+ credit score, 10 completed projects in the last 36 months (or 5 in the last 18), a vetted contractor relationship, and minimum liquidity of 20% of your line amount.
Returning RFG Borrowers
680+ credit score, at least 3 completed projects with RFG in the last 18 months, and minimum liquidity of 20% of your line amount.
How to Become a Preferred Portfolio Partner
A straightforward path from application to active capital.
Step 1: Initial Screening
We review your experience, deal history, and financials to confirm program fit.
Step 2: Documents and Application
Submit your three months of bank statements, SREO, statement of assets, soft credit pull, and contractor resume and license (new RFG borrowers only).
Step 3: Internal Review and Credit Write-Up
Our team evaluates your full investor profile, not just a snapshot.
Step 4: Approval Decision
A clear answer, with your approved facility ready to deploy across your next round of projects.
Apply for the Portfolio Preferred Program
Positions in the program are limited. If you have the deal flow to put a revolving credit line to work, let’s talk.
Common Questions About the RFG Line of Credit
How is this different from a standard hard money loan?
A standard hard money loan is approved deal by deal. The Portfolio Preferred Program gives you a pre-approved revolving facility you can draw on across multiple active projects, without going through full underwriting each time.
Can I use this capital for multiple fix and flip projects at once?
Yes. The program is specifically designed for investors running multiple rehab projects simultaneously, with up to $2M available across active deals.
Does applying affect my credit score?
No. Initial borrower evaluations use a soft credit pull only.
How many projects do I need to qualify?
New RFG borrowers need 10 completed projects in the last 36 months, or 5 in the last 18. Returning borrowers who have completed at least 3 projects with RFG in the last 18 months qualify under a separate track.
How quickly can I get approved?
The approval process is streamlined for experienced investors. Once your documentation is submitted, our in-house team moves quickly to get you a decision.
Common Questions About the RFG Line of Credit
A standard hard money loan is approved deal by deal. The Portfolio Preferred Program gives you a pre-approved revolving facility you can draw on across multiple active projects, without going through full underwriting each time.
Yes. The program is specifically designed for investors running multiple rehab projects simultaneously, with up to $2M available across active deals.
No. Initial borrower evaluations use a soft credit pull only.
New RFG borrowers need 10 completed projects in the last 36 months, or 5 in the last 18. Returning borrowers who have completed at least 3 projects with RFG in the last 18 months qualify under a separate track.
The approval process is streamlined for experienced investors. Once your documentation is submitted, our in-house team moves quickly to get you a decision.
Take Your Portfolio To The Next Level
Positions in the program are limited. If you have the deal flow to put a revolving credit line to work, let’s talk.