ROK Lending

ROK Lending is a family-owned private balance sheet lender based in Miami that provides business-purpose bridge and hard money loans nationwide. The firm focuses on large-balance commercial real estate financing, offering flexible structures, in-house underwriting, and expedited closings.

Direct Lender for Real Estate Deals Nationwide

Rok Lending is a family office lending firm with a 10-year track record of financing transitional bridge loans ranging from $3M to $100M for many types of investment properties. We have provided over $700M in bridge capital since 2014. We specialize in time-sensitive deals with certainty of execution to ensure that your deal closes. We are very transparent and always protect brokers.

CRE Property Types include multifamily, industrial, retail, hotels, self storage, data centers, student housing and others
Residential Property Types include luxury homes (non owner occupied), condo portfolios, SFR portfolios
Loan-to-Value up to 70% for refinance loans
Loan-to-Purchase Price up to 70% – borrower must have 30%+ down payment
We can cross-collateralize with multiple properties
Primary and Secondary markets only – NO rural areas
Loan term is typically up to 2 years, and we can offer a 1-year extension

Please note: We do NOT consider land loans or ground-up construction projects.

Common Loan Scenarios

Bridge Loans up to 70% LTV
Multifamily, Retail, Industrial
Hotels, Resi Rental Portfolios
Luxury Homes (investment)
Loan Terms up to 3 years
Value-Add up to 70% LTC

Scenarios Not Considered

Rural Areas
Land Loans
Construction Loans
Cannabis-Use Properties
Special Purpose Properties
High leverage over 70% LTV

Details and Requirements

Property Geographic Area Details

All 50 States and Puerto Rico (urban areas only)

Loan Amounts

$3,000,000 to $100,000,000

Interest Rates

10.5% to 12%

Origination Fees

1% to 2%

Loan Terms

6 to 36 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

Minimum 600 FICO score required

Minimum Credit Score Required

600

Prepayment Penalty

yes

Prepayment Penalty Details

The typical prepayment is half of the total loan term. For example a 2-year loan term would have a 12-month minimum interest guaranty. A 1-year loan term would have a 6-month minimum interest guaranty.

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only

Personal Guaranty (Recourse) Required

Sometimes

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust
Corporation

Documentation Required

Financial Statements

Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

Flexible

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Use Equity to Invest in Another Property
Invest in a Business
Business Working Capital
Value Add Project

Property Occupancy

Vacant
Tenant Occupied 100%
Owner Occupied Commercial

Additional Details

We typically charge 2 points for origination. Most deals are structured with 1 point paid at closing another 1 point due when the loan is paid off. We are flexible and can structure as 0.5 point in and 1.5 points out.

Last updated: August 3, 2026

ROK Lending’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$98,250,000

12mo Loan Count

Total Loan Volume

$670,149,731

Average Loan Size

$5,631,510

Loan Count by State (Past 12 Months)

FL: 7, CA: 2, NJ: 1

Data provided by

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Company Quick Facts

Year Established: Family business established in 1964; lending platform built on more than 50 years of real estate experience
Headquarters: Miami, Florida
Founder & CEO: Bryan Morjain
Company Type: Family-owned, direct private balance sheet lender
Capital Source: Family-funded private capital
Loan Types: Bridge Loans, Hard Money Loans, Business-Purpose Real Estate Loans
Property Types: Commercial real estate, multifamily, hospitality, industrial, land, and other business-purpose assets
Geographic Focus: Nationwide, with roots in Florida
Primary Customers: Real estate investors, developers, and commercial property owners
Loan Size: Typically $3 million to $100 million
Funding Model: In-house underwriting, self-funded capital, and in-house legal counsel
Recent Lending Activity: More than $150 million financed over the previous 12 months (company reported)
Distinguishing Characteristics: Large-balance lending, flexible loan structures, and expedited closings

Office Locations

Miami HQ

19790 W Dixie Hwy PH1, Aventura, Florida 33180

New York Office

250 Greenpoint Ave, Brooklyn, NY 11222

Connect with ROK Lending:

Our Team

Avi Zukerman

Director of Originations

NY Broker Lic. - 10491206501

Fortunato Botbol

Ben Lerman

Julie Quittner

Our minimum loan amount is $3,000,000

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