RBI TEXASERIC SMELCER GROUP
Dallas–Fort Worth · 817.991.0289
Get my terms Eric Smelcer
For agents, builders & contractors

Let’s build together.

Your deal. Your timeline.

A capital partner for the clients banks send away — investors, builders, and flippers who need an answer this week.

New ConstructionFix & Flip BridgeDSCR / Rental Land / HorizontalCommercialEquity
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Funded Deals
42 States
Currently lending
7–12 Days
Average time to close
Up to $11M
Per loan · rates from 8.25%
Lending nationwide

Licensed and lending across the country

Based in Southlake, Texas — funding investor and builder deals coast to coast.

U.S. map of states where Eric Smelcer is currently lending, with states coming soon
Currently lending
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDCDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMississippiMissouriMontanaNebraskaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaOhioOklahomaPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasVirginiaWashingtonWest VirginiaWisconsinWyoming
Coming soon
HawaiiMinnesotaNevadaNorth DakotaOregonSouth DakotaUtahVermont
Why partners send me their deals

Real projects. Real people. Real results.

One desk.Every structure.

Ground-up construction, fix & flip, bridge, DSCR rental and multifamily 5 to 50 units.

Low rates.Low payments.

Investor rates from 8.25%, interest-only until maturity, 12 to 24 month terms. Flexible programs built around the project.

No prepaymentpenalty. Ever.

Pay it off or pay it down the day the project allows. No penalty for early payoff or partial amortization on any product.

Fast closings.Real answers.

Approval in 24 to 48 hours on a complete file, closings averaging 7 to 12 days. Fast enough to save an option period.

A true partnerin your pipeline.

Co-branded flyers, deal structuring on your live files, and straight answers on whether a project pencils — before you write the offer.

Everyonewelcome.

No income verification, no credit hard pull, 620 minimum FICO and zero experience required. New LLCs and foreign nationals included.

Loan programs

Financing for every investor deal

Specialty

New Construction

Ground-up financing for spec builders and developers — lot plus build, with draws that keep your crews moving.

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Specialty

Land / Horizontal

Land acquisition and horizontal development — entitlement, grading, and site work to get lots build-ready.

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Bridge

Bridge Loans

Short-term capital to acquire fast or bridge a gap while you line up the exit. Move before the deal is gone.

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Fix & Flip

Fix & Flip

Purchase plus rehab in one loan, funds released by draw. Built for investors turning properties.

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DSCR / Rental

DSCR & Rental

Qualify on the property’s cash flow, not your tax returns — buy-and-hold and portfolio rentals.

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Commercial

Commercial

Multifamily 5 to 50 units, mixed-use, and income-producing commercial assets.

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How it works

From first call to funded

1

Apply in minutes

Send me the deal through the form below. I review it and get you a term sheet — usually within 24 hours.

2

Diligence

We line up inspection, title work, and loan docs while I keep you posted at every step. No surprises.

3

Close & fund

You sign and get funded — closings commonly land in 7 to 12 days on a complete file.

Get your terms

Tell me about your deal.

Fill this out and it comes straight to our team. We’ll review it and follow up with terms for your project — usually within 24 hours.

  • Term sheet typically within 24 hours
  • No cost and no obligation to apply
  • A dedicated contact from start to funded
Prefer to talk now? Call 817.991.0289 or email eric@rbialliance.com

Request my term sheet

The form adapts to your loan type. Required fields marked *

Deal details

Please confirm original budget, invested to date, and remaining budget.

Please confirm original budget, invested to date, and remaining budget.

Helpful to include with your inquiry: current rent roll, trailing 12-month financials (T-12), and a short property description. I’ll route it to the commercial department.

Please complete the required fields, including the full property address.

Opens your email so you can send it straight to my inbox.

Your request is on its way

Thanks — we’ve got your request. We’ll review your deal and follow up with terms, usually within 24 hours.