Private Lender Finance

We partner with private lenders who are seeking additional balance sheet capacity and working capital lines of credit. With a focus on mortgage originators, our partners typically have strong track records and a history of balance sheet lending.

A Reliable Capital Partner

In today’s market, many private lenders struggle to find a trustworthy, sound institutional capital partner. Loan criteria and requirements can change without warning and, even worse, some capital providers abruptly pause or exit the market altogether, leaving your lending business scrambling for alternatives.

You are equipped to succeed when you have a flexible and stable long-term capital partner by your side. When you are part of a private lender finance program that is easy to use, reliable and transparent, accessing capital from your line of credit becomes seamless. This agility increases your competitive advantage.

Led by a former private lender, our team focuses on one thing: lending to private lenders. We designed this program with ease of use and operational efficiency in mind. With half of our clients increasing their line sizes within a year of opening, our structure is proven to support your long-term growth.

Features and Benefits

Unlock your business potential with flexible terms engineered for specialized private lenders:

• Competitive Advance Rates: Access up to 70-75% of the outstanding principal balance of eligible loans (subject to certain LTV caps).
• No Collateral Shipping: Pledge your loans directly via an allonge and assignment and a physical stamp on your promissory notes to eliminate the need to ship physical collateral files.
• Pricing Transparency: Experience complete upfront due diligence and transparent pricing from day one.
• Efficient Draw Processes: Draw upon your line as many times as necessary, with quick processing and no additional per-transaction costs.
• Sustainable Structure: Benefit from 1- or 2-year revolving periods, paired with a 6-12 month amortization period.
• Targeted Asset Focus: Designed primarily for 1-4F transitional loans, featuring custom sub-limits for 1-4F ground-up construction and bridge or transitional commercial real estate (CRE) transitional loans pledged to Enterprise (land, special-use CRE, hotels and CRE construction loans are generally excluded).
• Treasury Management That Gets It: Our dedicated Treasury Management division understands the high-paced needs of private lenders and offers customized services for originators of all sizes.