About us Old Saybrook, Connecticut

We built the lender we wanted to borrow from.

Riva Lending is a direct private lender and credit fund manager on the Connecticut shoreline. We price, underwrite, and service every loan ourselves — which means the person who answers your call is the person who can say yes.

Price a loan Explore the fund
Evening light over open water on the Connecticut shoreline
Old Saybrook, Connecticut 41°17′ N · 72°22′ W · Lending across the Northeast
  • $250M+Originated on our platform
  • 400+Projects funded
  • 92%Borrowers who come back
  • 48hrAverage approval time

Our story

We learned to lend by owning the risk first.

Riva began on the note side of the business — buying other lenders' paper and living with the outcome. Everything we do now grew out of what that taught us.

We started by buying discounted mortgage notes — learning to price risk one loan, one property, one workout at a time. Owning the downside before we ever wrote a loan is still the reason our underwriting looks the way it does.

What we believe

Four things we refuse to outsource.

A lender should underwrite like an investor — because we are one. Every file we approve is a file we would be willing to hold ourselves.

That single test decides more than any rate sheet could.

Sunlit living room in a rental property overlooking a residential neighborhood

  1. We answer our own phone

    The person who picks up is the person who can price your deal. No call center, no gatekeeper, and no credit committee three states away deciding what a Connecticut duplex is worth.

  2. We underwrite the property first

    Rentals qualify on their own cash flow, not your tax returns. We size every loan to the collateral — the gap between our loan and the property's value is the first thing that absorbs a bad outcome.

  3. We keep the loan

    Pricing, underwriting, servicing, and workouts all live under one roof. Nothing gets handed to a servicer who has never seen the file, so the terms you close on are the terms you live with.

  4. We tell you no quickly

    A fast no is worth more than a slow maybe. If a deal doesn't work you'll hear it the same day — usually with the reason, and with what would have to change for our answer to be different.

Who we serve

Built for people who do this for a living

We work with operators and allocators, not first-time homebuyers. Everything on our shelf is business-purpose credit secured by non-owner-occupied real estate.

Rental investors

Landlords building a book of single-family and 2–4 unit rentals. The property qualifies on its own income — DSCR as low as 0.75x, up to 80% LTV, 30-year fixed or interest-only.

See rental loan terms

Renovators and flippers

Operators turning tired properties around against a clock. Up to 85% of purchase plus 100% of rehab, closings in as little as 7 days, and draws funded in 24–48 hours.

See bridge loan terms

Note investors

Investors who would rather choose their own collateral. First-lien positions in individual loans we originate and service, with durations of 6–24 months and full visibility into the file.

See how notes work

Fund investors

Accredited investors who would rather hold a portfolio than a single loan. One allocation into first-lien real estate debt, sourced entirely from our own platform, distributed monthly.

Explore the fund

Where we work

Rooted on the shoreline. Lending across the Northeast.

Our office sits on the Boston Post Road in Old Saybrook, a few minutes from the mouth of the Connecticut River. We know this market the way you only can by living in it — which is why a shoreline colonial and a Hartford three-family don't get the same set of assumptions.

Our paper travels further than we do. Wherever the collateral sits, the same team looks at it and does the homework itself — no outsourced review, and no file we haven't read.

  • The Connecticut shoreline
  • Hartford
  • New Haven
  • Fairfield County
  • Across the Northeast
Wooded residential street in early morning light with a shingled New England house

The office

455 Boston Post Rd
Old Saybrook, CT 06475

Monday–Friday, 9am–5pm EST

(860) 303-7968

info@rivalending.com

Riva Lending originates business-purpose loans secured by non-owner-occupied real estate; we are not a consumer lender and we do not originate owner-occupied mortgages. Loan terms shown across this site are illustrative and subject to underwriting, property review, and final approval.

Get in touch

Tell us what you're working on.

Whether you're pricing a deal or placing capital, the fastest way in is a conversation. A real person answers, usually the same day.

Price a loan Schedule a call

Or reach us directly — (860) 303-7968 · info@rivalending.com