Loan Programs

Most private money lenders are in the business of originating loans to fit the buy box of another institution (read: loan aggregator) that is trying to aggregate enough loans to fit the underwriting standards of an investment bank (read: Wall Street) who will then sell the entire pool of loans (read: securitize) to investors. Originate. Aggregate. Securitize. Repeat. The rules of this game are dictated by Wall Street. At the end of the day, no one that touched the loan through the origination, aggregation or securitization process is left holding the note.

Balance sheet lenders are different. We originate for our own account. We aggregate for our own account. We do not sell loans to anyone. We make the rules, play by the rules, and don’t change the rules at the demands of Wall Street. Instead, we utilize our own funds and hold loans to maturity. Real estate investors’ loans stay on the balance sheet of the original private lender.

Real estate investors step into the industry to take control of their financial future—and the best way to stay in the driver’s seat is by partnering with a lender who does the same. As a balance sheet lender, we fund and service our own loans, answering only to ourselves—not outside investors or Wall Street. This independence gives us the flexibility, speed, and transparency to serve as a true partner to our borrowers. Together, we build success based on trust, control, and shared opportunity—because that’s what real partnership looks like.