White-label lending
White-label lending is when a lender originates loans under its own brand while another party provides the capital, and sometimes the underwriting guidelines or servicing, behind the scenes.
How white-label lending works
The borrower sees the originating lender’s brand: its name on the term sheet, its team, often its name on the closing documents. Behind it, a capital provider funds the loan, either at closing (table funding) or by buying it shortly after. Some programs also supply underwriting guidelines, pricing, technology or servicing; others only supply capital.
Variations
- Capital only. The lender underwrites to its own standards within the capital provider’s criteria and closes in its name.
- Program lending. The lender originates to a capital provider’s published guidelines and pricing, much like a correspondent.
- Full service. The provider also handles servicing and reporting, and the lender focuses on origination.
What to check
Who sets the guidelines and pricing, how the loan is funded and assigned, who services, how the borrower relationship is protected, what you earn (points, spread or both), and how the arrangement is disclosed under the loan documents and state law.
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.