Red Oak Capital Holdings
Commercial Real Estate Financing,
Built for Certainty
Flexible Capital Solutions for Borrowers Nationwide

Structured Debt Solutions

At Red Oak Capital Holdings, we provide structured debt solutions for commercial real estate borrowers across the U.S. Our platform is designed to deliver efficient, reliable financing through a combination of short-term bridge loans and long-term FHA-insured mortgages.

With a track record of more than $5 billion in transactions closed in the last 10 years, Red Oak is a trusted non-bank lender known for its institutional underwriting standards, creative structuring capabilities, and certainty of execution. Whether financing a transitional property or securing long-term government-backed debt, we offer capital solutions tailored to each borrower’s business plan.
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Bridge Loan Programs

Red Oak’s short-term bridge loan programs provide capital for acquisitions, refinances, repositioning strategies, and transitional assets across core commercial real estate sectors. We structure each loan with flexibility, competitive terms, and a streamlined closing process.

We offer four distinct bridge loan programs tailored for transitional assets, value-add strategies, and stabilized properties in need of repositioning.
Red Oak Capital bridge loan offerings include:

Core Bridge

  • Fixed-rate financing for transitional institutional-quality properties
  • Available for cash-flowing assets (1.00x DSCR or greater)
  • Supports borrowers requiring additional time or capital to achieve optimal performance
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Core-Plus Bridge

  • Designed for institutional-quality assets in transition
  • Fixed-rate financing for non-cash-flowing properties (1.00x DSCR or less)
  • Provides capital and time needed for stabilization
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Opportunistic Bridge

  • Higher-leverage, fixed-rate financing for value-add assets
  • Modest equity component, with Loan-to-Cost (LTC) ratios structured for growth
  • Ideal for properties requiring repositioning or substantial capital improvements
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Participating Bridge

  • Higher-leverage financing for transitional assets
  • Includes an equity component, allowing Red Oak to participate in project appreciation
  • Designed for sponsors seeking flexible capital solutions while maximizing value creation
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Core Bridge

  • Fixed-rate financing for transitional institutional-quality properties
  • Available for cash-flowing assets (1.00x DSCR or greater)
  • Supports borrowers requiring additional time or capital to achieve optimal performance
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Core-Plus Bridge

  • Designed for institutional-quality assets in transition
  • Fixed-rate financing for non-cash-flowing properties (1.00x DSCR or less)
  • Provides capital and time needed for stabilization
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Opportunistic Bridge

  • Higher-leverage, fixed-rate financing for value-add assets
  • Modest equity component, with Loan-to-Cost (LTC) ratios structured for growth
  • Ideal for properties requiring repositioning or substantial capital improvements
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Participating Bridge

  • Higher-leverage financing for transitional assets
  • Includes an equity component, allowing Red Oak to participate in project appreciation
  • Designed for sponsors seeking flexible capital solutions while maximizing value creation
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FHA/HUD Loans HUD-INSURED FHA LOAN PROGRAMS

With the acquisition of Johnson Capital Multifamily, Red Oak has expanded its lending platform to offer FHA/HUD-insured financing under Red Oak FHA Capital. These loan solutions provide long-term, government-backed financing for multifamily, affordable housing, senior living, and healthcare properties.
Johnson Capital Multifamily specializes in the following HUD-insured programs:

Multifamily & Affordable Housing

HUD 221(d)4 & 220

  • Construction/Substantial Rehabilitation of Multifamily Properties

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HUD 223 (f)

  • Acquisition or Refinance of Multifamily Properties

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HUD 223 (a)7

  • Streamlined Refinance of Existing HUD-Financed Multifamily Properties

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HUD 241(a)

  • Supplemental Loans for Capital Improvements to FHA Insured Multifamily Properties

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Senior Housing & Healthcare

232/221(d)4

  • Construction/Substantial Rehabilitation of Senior Housing & Healthcare

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232/223 (f)

  • Acquisition or Refinance of Senior Housing & Healthcare

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232/223(a)(7)

  • Streamlined Refinance of Existing HUD-Financed Senior Housing & Healthcare

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241(a)

  • Supplemental Mortgage Insurance for HUD-Insured Multifamily Loans

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Bridge-to-FHA Financing: A Seamless Transition

For borrowers looking to transition from short-term financing to long-term FHA-insured debt, Red Oak now offers a Bridge-to-FHA program. Our bridge loans provide the interim capital needed to acquire, stabilize, or improve properties while awaiting HUD loan approval.
With Red Oak FHA Capital, we deliver:
• Seamless execution from bridge financing to HUD takeout loans
• Faster access to capital while navigating HUD’s approval process
• Tailored solutions that align short-term and long-term financing needs

Financing Built for Certainty

Red Oak Capital Holdings offers reliable, creative, and scalable commercial real estate financing solutions. Whether you need flexible short-term capital or long-term, government-backed financing, our team provides expert guidance, structured execution, and an unwavering commitment to certainty.
Contact us today to discuss your financing needs.
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FHA Loan Programs

With full discretion over our balance sheet, raised through various funds and separate accounts, Red Oak originates and provides short-term, small-balance bridge loans on core commercial real estate properties on a nationwide basis. We work with borrowers that need capital to move their business plans forward and can benefit from our team’s strong origination, underwriting, closing and servicing capabilities.
Red Oak Capital Fund VII, LLC

FHA Loan

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Red Oak Capital Fund VII, LLC

FHA LOAN

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Red Oak’s investment platform strategically deploys capital into commercial real estate loans and is designed for institutional-caliber partners.
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About Oak Real Estate Partners

Oak Real Estate Partners' alternative investment platform is built around lending solutions that are financially engineered and structured to deliver alternative asset opportunities designed to align and support institutional investment objectives.
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