Lender Capital
Apply as a lenderRequest capital partner access
Lender Capital Blog

Private lending, explained.

Guides for private real estate lenders and capital partners: funding loans beyond your balance sheet, investing in first-lien real estate debt, loan files, fees and more.

For capital partners3 min read

Whole loans vs. fractional notes vs. debt funds: investing in first-lien real estate debt

Three ways to invest in private real estate loans, compared on control, transparency, fees and liquidity, so capital partners can choose the structure that fits.

Read article
For lenders5 min read

What is a whole loan sale, and how does it work in private lending?

A plain-English guide to whole loan sales for private real estate lenders: how they work, how they differ from participations and credit lines, and what buyers expect.

Read article
Lender Capital4 min read

LTV vs. LTC vs. ARV: what each leverage ratio tells a lender

Loan-to-value, loan-to-cost and after-repair value explained with worked examples, and how private lenders and capital partners use each to size and judge a loan.

Read article
Lender Capital5 min read

Interest reserves on bridge and construction loans, explained

What an interest reserve is, how lenders size and draw it down, how it affects loan-to-value and borrower cash, and what capital partners should check.

Read article
For lenders6 min read

How to read a real estate appraisal as a private lender

A section-by-section guide to reviewing an appraisal on a business-purpose loan, including comps, adjustments, as-is vs. as-repaired value and the red flags to catch.

Read article
For capital partners4 min read

How to evaluate a private lender before funding its loans

A due diligence framework for capital partners funding loans from private real estate lenders, covering track record, underwriting, files, servicing, licensing and red flags.

Read article
For lenders5 min read

How private lenders price a loan: rate, points and fees

How private real estate lenders set interest rates, origination points and fees, what drives pricing up or down, and how pricing works when a capital partner funds the loan.

Read article
For lenders4 min read

How private lenders can fund more loans without growing their balance sheet

Your deal flow is bigger than your capital. Here are the five ways private lenders fund more loans, what each one costs you, and when whole-loan placement makes sense.

Read article
Lender Capital6 min read

First lien vs. second lien: why lien position matters in lending

How lien priority works on real estate loans, what happens to first and second liens in a foreclosure, and why private lenders and capital partners focus on first lien.

Read article
Lender Capital4 min read

DSCR loans explained: how debt service coverage ratio works

How lenders calculate debt service coverage ratio (DSCR) on rental property loans, what goes into the numbers, and how DSCR loans are underwritten and funded.

Read article
Lender Capital4 min read

Construction draw management: how draws protect private lenders

How draw schedules, inspections, holdbacks and lien waivers work on ground-up and renovation loans, and how lenders and capital partners use them to manage risk.

Read article
Lender Capital3 min read

What goes into a complete private loan file (and why it gets funded faster)

A checklist of the documents capital partners expect to see on a first-lien bridge, fix-and-flip, construction or DSCR loan, and how a complete file shortens time to funding.

Read article
For capital partners5 min read

Building a buy box: how capital partners define the loans they want

How capital partners set clear criteria for funding private real estate loans, covering loan type, leverage, geography, size, borrower profile and documentation, with a sample buy box.

Read article

Which side of the loan are you on?

Applications are reviewed by our team.

Apply as a lenderRequest capital partner access