Capital provider
A capital provider is any source that supplies money for a private lender’s loans: a warehouse line, a loan buyer, a table funder or an investor. A capital partner is the kind that funds or buys whole loans through Lender Capital.
How a capital provider works
Private lenders usually mix several capital providers. A warehouse line lends a share of each loan and the lender funds the rest. A loan buyer purchases loans after closing. A table funder funds the whole loan at closing and takes the assignment at once. Investors, funds and family offices can supply capital directly or through any of those structures.
The providers differ on who funds the loan at closing, who owns it afterwards, what the lender earns, and which loan types qualify. Many bank programs exclude bridge, construction and fix-and-flip loans, so a lender's loan type often decides which provider is available.
Capital provider vs capital partner
On Lender Capital, a capital partner is a capital provider that funds a whole loan at closing or buys a whole loan the lender already funded, through an escrow agent. Capital partners see the full file before committing and pay no fees. Lender Capital itself never lends or buys with its own money.
Why it matters to a private lender
Matching the provider to the loan keeps cost and risk where you want them. Compare the options on capital providers for private lenders, and see how a line differs from per-loan placement on the warehouse line alternative page.
Where Lender Capital fits
Lender Capital places first-lien, business-purpose real estate loans with capital partners. You apply once, then submit each loan with the full file. We send it only to capital partners whose criteria it fits, one partner funds the whole loan at closing and it is assigned to them. You keep your points (less the placement fee), earn the spread above the partner’s rate and service the loan. You pay a placement fee only when a loan funds.
Lender Capital is a business-to-business platform. This page is general information, not legal, tax or securities advice. Terms of warehouse lines and other funding sources vary by provider; confirm them with each provider and your counsel.