Built for US-based fund managers with operating history and banking history. Qualify through bank-verified cash flow. Activation reserve collected at closing — not upfront.
Ready Capital Pro is the Ready Capital Facility — restructured for US borrowers who have already built a verifiable track record.
Same $200M committed capital. Same revolving structure. Same zero-interest-on-undrawn-balances mechanics. Same deploy-first, raise-second thesis.
What's different: Pro borrowers qualify through bank-verified cash flow — and the activation reserve is collected at closing, not fronted into escrow before the facility goes live.
That is the entire distinction. Everything else is Ready Capital.
| Ready Capital (Standard) | Ready Capital Pro | |
|---|---|---|
| Geography | Global | USA only |
| Activation reserve | Funded into escrow upfront | Collected at closing |
| Qualification | Document-based underwriting | Plaid bank verification + docs |
| Facility rate | 11–14% | From SOFR + 1% |
| Borrower profile | Professional fund managers | US managers with operating + banking history |
| Committed capital | $200M | $200M |
| Structure | Revolving, unsecured | Revolving, unsecured |
| Zero interest on undrawn | Yes | Yes |
| Term sheet turnaround | 48 hours | 48 hours |
Pro is not a discount program. It is a structurally different qualification path for a structurally different borrower — US-based, bank-verifiable, with a demonstrable operating track record. Borrowers who fit that profile earn access to institutional pricing.
Pro replaces upfront escrow with real-time verification of your ability to service the debt.
Executive summary, CV, professional history, business formation documents, use of funds, draw schedule, exit strategy. The standard Ready Capital documentation package.
OEI's Plaid integration provides secure, read-only access to your business banking history. We verify operating cash flow, balance stability, and debt-service capacity directly from your institution — not from statements you self-select. This is the core of Pro underwriting.
Bank verification collapses underwriting time. If your cash flow supports the facility size you're requesting, we issue a term sheet.
The activation reserve is collected at closing — not before. Once the facility is closed, you can draw immediately.
This is not a penalty. Pro is an alternative path, not a tier. Borrowers who don't fit Pro often fit standard Ready Capital — and the standard program's escrow-first structure exists precisely because it accommodates borrowers Plaid cannot verify.
Pro is a different on-ramp to the same product. Every structural benefit of the standard Ready Capital Facility carries over.
Same committed capital pool backing your facility. The capital is here.
Repay and redraw throughout your term, no re-qualification required.
Small unused line fee only. No interest on undrawn portions of your facility.
Move on live deals while your LPs are still in committee. Speed matters.
No hard collateral required. Your track record is your collateral.
One relationship, one underwriting process, one facility that scales across your deal flow.
| Facility rate | From SOFR + 1% on drawn balance |
| Unused line fee | Small standard fee on undrawn commitment |
| Activation reserve | Collected at closing. Interest-earning. Fully releasable when no draws are outstanding. |
| Term sheet turnaround | 48 hours from Plaid verification |
| Term sheet validity | 72 hours from issuance |
The activation reserve functions exactly as it does in the standard program — it covers interest payments in a default scenario, earns interest in escrow during the term, and is released in full when the facility closes with no outstanding balance. The only difference is when you fund it: at closing, not upfront.
Jonathan Perez, Senior Partner at OEI Private Credit, personally leads Ready Capital Pro intake. Bring your track record, your pipeline, and your business banking relationship. We'll tell you in the first conversation whether Pro or standard Ready Capital is the right path — and if we're a fit, we move fast.