Real Atom Help Center

FAQs

What is RealAtom?

RealAtom is a leading online marketplace for commercial real estate loans. We have one of the  largest networks of commercial real estate lenders in the nation. RealAtom connects CRE investors and developers with appropriate lenders based on the matching loan criteria in real time.

Why should I use RealAtom?

Any commercial real estate borrower or broker that is interested in saving time, money, and increase certainty of execution with the best terms should use the RealAtom platform. RealAtom simplifies the process of acquiring debt financing across all property types, nationwide.

To join as a borrower, broker or lender please follow the following steps:

  1. Visit registration: for borrower, for broker, for lender
  2. Complete all of the required fields
  3. Submit your registration
  4. Confirm your email address by clicking on a link in the confirmation email we send you.

You must confirm your email address within 7 days of registration in order to access your account. If you do not confirm your email address within 7 days, you will not be able to access your account thereafter.

Please make sure you add a mobile number and opt into browser notifications, so that we can inform you when there is an offer if you are a borrower, or a matching loan request if you are a lender.

How do I join the platform?

To join as a borrower, broker or lender please follow the following steps:

  1. Visit registration: for borrower, for broker, for lender
  2. Complete all of the required fields
  3. Submit your registration
  4. Confirm your email address by clicking on a link in the confirmation email we send you.

You must confirm your email address within 7 days of registration in order to access your account. If you do not confirm your email address within 7 days, you will not be able to access your account thereafter.

Please make sure you add a mobile number and opt into browser notifications, so that we can inform you when there is an offer if you are a borrower, or a matching loan request if you are a lender.

What can borrowers & brokers do on RealAtom?

Apply to secure a $500K-$100+MM senior, bridge or mezzanine loan to to acquire, construct, refinance a commercial or multifamily property loan. Connect with  relevant lenders, exchange loan related information and communicate with lenders directly.

  • Create a comprehensive and concise loan request aka debt memorandum
  • Get matched to all relevant lenders with a single loan request
  • Compare offers from multiple lenders, and negotiate better terms online or offline
  • Share loan related information with lenders in a secure environment
  • Store all transaction documents in a proprietary secure data vault
  • Come back later and find all loan related information to make you refi easier

Can brokers use your platform?

Yes. RealAtom is an excellent tool for brokers to make their loan securing process more efficient and to expand their reach. We’ve statistically proven you, as a broker can close loans quickly and with less work. Brokers can create a single account to manage all their clients’ loans and keep communications separate and private.  You can register as a broker here.

What types of assets can I finance through your platform?

Lenders on our platform are actively seeking the following commercial real estate asset types:

  • Multi-family 
  • Mixed Use
  • Office
  • Retail
  • Industrial
  • Self Storage
  • Hospitality
  • Mobile-home park
  • Land
  • Student Housing
  • Senior Housing
  • Education
  • Entertainment
  • Medical Facility
  • Specialty

What loan size can I finance through RealAtom platform?

Lenders on our platform are actively financing loans from $500,000 to $100+ Million across all asset types

What kind of lenders do you have on the platform?

RealAtom has a very wide-reaching national network of lenders. Our lenders are made up of national, regional and community banks, credit unions, hard money, life insurance companies, pensions funds, agency and alternative lenders. WE DO NOT WORK WITH PRIVATE INDIVIDUALS. ALL OUR LENDERS ARE REGISTERED AND VERIFIED.

Is my information safe? Who has access to my info?

All account and loan information is secure, and is only shared with relevant matched lenders, WHO ARE REGISTERED AND VERIFIED. Your information is never shared or sold to anyone.

Are there lenders in my area?

Lenders in RealAtom’s network lend in all 50 states. Exact geographic coverage may vary by loan criteria such as asset type, and loan amount. We cannot guarantee that all loan requests will have lenders in all areas at all times.

How many lenders do I typically get matched with?

This depends on the specifics of every loan, including geography, asset type, loan amount and other loan dimensions. Most loans are matched to a few dozen lenders instantly.

How long does it take to start receiving offers?

A borrower could start receiving offers after a few hours, depending on when the loan is posted. Historically, 83% of loans posted on our marketplace receive multiple offers within 24 hours.

What information is required to post a loan to your platform?

This depends greatly on the property type and loan type. Generally, you will need to provide information related to historic and current income, expense and NOI (operating statements and rent roll), current property value (contract, appraisal or a guess), loan amount, rate, term and amortization.

What documents do I need?

The exact list of documents depends on the type of loan request. For a general list of documents you may need, please go to our page for borrowers.

Do I create a new loan request for each of my projects?

Yes, you should create a loan request for each one of your projects that requires separate financing. You can create a single loan request for a portfolio loan.

At what point do I know the identity of the lenders?

Once your loan request has been submitted for verification, you are instantly able to view the number of lenders with whom you’ve been matched. When lenders provide offers (soft quotes), each offer identifies the lender by “type” (national, regional, agency, etc). Finally, when a lender extends a Term Sheet, at this point the lender name will be identified.

Can I use your platform to present my loan to lenders I have a relationship with?

Yes. RealAtom allows you to share and manage your loan request with lenders you already work with, as well as getting your loan more offers from lenders within our network. Please contact support@realatom.com for details.

Can you only match me with a limited type of lenders?

Yes. We can limit what types of lenders are matched to your loan request. Please contact support@realatom.com for details.

Can I edit my loan after I have submitted for verification?

After your loan is submitted for verification, you would need to contact a RealAtom account manager at support@realatom.com to change the loan back to editable format.

What are the benefits of using the concierge service?

The Concierge Service is a great option for anyone who has a complex loan, or would generally prefer someone else to do all the work for them. Your personal concierge will put together an excellent loan request package by going through the required documents you provide, and information on the property.

Can you give me advice as to how to structure my loan request?

If you would like help creating a loan request, please select the Concierge option when you register as a borrower or broker.

Do you have an advisory service to help me with structuring my loan?

RealAtom does offer an advisory service to help to structure your CRE transaction. Please select the Concierge option when you register as a borrower or broker to take advantage of our experts with over 40 years of CRE lending experience.

I failed the verification process. Whats next?

You will be able to edit the loan and fill in any important information that is required in order for your loan to pass verification and post to our marketplace.

Does my credit get pulled at any point?

Your credit score is never pulled at anytime by the system when you create an account or a loan request. Lenders will only see a credit score if one is provided by the borrower themselves.

How early in the process can I get financing?

A loan can close as fast as 4 weeks after an LOI or Term-sheet is signed. To get to this point:

  • Create a loan request including a comprehensive Executive Summary explaining your loan
  • Submit all relevant documents. Be proactive to get lenders to “Yes” faster
  • Answer all requests from lenders for an additional information and documents in real time
  • Review, negotiate and approve all offers from lenders

Who will be the point of contact when the loan request is created by a broker?

A broker who creates an account and a loan request will be the point of contact on behalf of their client.

Will my client be anonymous using the site?

If you are a broker representing your client, you will be able to keep your client anonymous when the loan is posted. You should provide profile information on your client, but this does not have to divulge their identity. It will be up to you when to disclose client’s into to the lenders.

Will my client's information be secure on the site?

Yes. All information, including client and loan information is secure and only shared with matched lenders.

I accidently signed up as a broker (or borrower). Can I change that in the system?

Please contact support@realatom.com for any changes to your account.

What browsers does RealAtom support?

You can access RealAtom on the internet using browsers such as Chrome, Firefox, Internet Explorer, and Safari.


RealAtom works best on the latest supported version of a browser. Customers using outdated browsers may have a degraded experience when using some features of the website.


Here are the browsers we recommend, with the minimum version noted:

  • Google Chrome, version 36.0 and up
  • Safari, version 5.0 and up
  • Internet Explorer, version 11.0 and up
  • Microsoft Edge 15 and up
  • Firefox, version 30.0 and up

Help Topics

What is RealAtom? Why should I use RealAtom? How do I join the platform? What can borrowers & brokers do on RealAtom? Can brokers use your platform? What types of assets can I finance through your platform? What loan size can I finance through RealAtom platform? What kind of lenders do you have on the platform? Is my information safe? Who has access to my info? Are there lenders in my area? How many lenders do I typically get matched with? How long does it take to start receiving offers? What information is required to post a loan to your platform? What documents do I need? Do I create a new loan request for each of my projects? At what point do I know the identity of the lenders? Can I use your platform to present my loan to lenders I have a relationship with? Can you only match me with a limited type of lenders? Can I edit my loan after I have submitted for verification? What are the benefits of using the concierge service? Can you give me advice as to how to structure my loan request? Do you have an advisory service to help me with structuring my loan? I failed the verification process. Whats next? Does my credit get pulled at any point? How early in the process can I get financing? Who will be the point of contact when the loan request is created by a broker? Will my client be anonymous using the site? Will my client's information be secure on the site? I accidently signed up as a broker (or borrower). Can I change that in the system? What browsers does RealAtom support?