Roc Capital alternatives for private lenders

What is Roc Capital?

Roc Capital is a capital provider for private lenders and part of Roc360. Under its white-label table funding program, it says it funds the borrower’s loan at the closing table under the lender’s company and brand names, and the loan is assigned to Roc Capital at closing while it advances the funds.

What Roc Capital and Roc360 publish about the business:

• History. Roc Capital entered private lending in 2014 by providing institutional capital through a Third Party Originator program, and announced the formation of Roc360, a holding platform, in January 2020 (Roc Capital).
• Scale. Roc360 said in May 2026 that it had directly funded over $20 billion across 50,000 loans since its founding in 2014.
• Program terms. Its program page says it does not require lenders to give representations and warranties and will not ask a lender to buy back a loan. It lists bridge loans for fix and flip, ground-up and multifamily projects and rental loans, including portfolios and mixed-use (Roc Capital).
• Back office. It offers underwriting, closing, funding and loan servicing support (Roc Capital).
• Securitization. Roc360 closed a $200 million rated securitization of residential transitional loans in March 2025. Morningstar DBRS called it the third RTL securitization on the Roc shelf and named Roc360 affiliates as originator and servicer (Morningstar DBRS).

Last reviewed October 19, 2026. Program terms change, so confirm them with Roc Capital directly. For how the two large programs differ, see Roc Capital vs Toorak Capital.

Why do lenders compare Roc Capital alternatives?

Lenders compare alternatives because white-label table funding is one of several ways to fund loans, and each trades off different things: whose guidelines and pricing apply, who owns and services the loan after closing, and what the lender earns once the loan closes. The right fit depends on your business model.

Common reasons a lender looks at more than one source:

• You want to set your own terms and pricing rather than quote from a provider’s program.
• You want to keep servicing and the borrower relationship after closing.
• You want ongoing income from each loan, not only fees at closing.
• You want more than one capital source, so your pipeline doesn’t depend on one program.

Large programs are genuinely strong on scale, set pricing you can quote from and back-office support. Many lenders use one alongside other sources.

What are the alternatives to Roc Capital?

The alternatives fall into six groups: other white-label table funders, loan purchase and correspondent programs, warehouse lines, participations and co-lending, whole loan buyers and forward flow, and direct capital placement. The first funds at closing under a provider’s program; the others change when you fund, who owns the loan and what you keep.

Other white-label table funding providers

Other providers also fund at closing in your name under their own guidelines and pricing. Compare deal boxes, states, pricing, whether they ask for representations and warranties, and who services the loan. See what is table funding? and table funding for private lenders.

Loan purchase and correspondent programs

You close and fund the loan yourself, then sell it to an aggregator that buys to its guidelines. Toorak Capital Partners is one example: its lender FAQ says correspondents must be able to close loans with their own funds. See correspondent lending for private lenders and Toorak Capital alternatives.

Bank or non-bank warehouse lines

A warehouse line advances part of each loan you close, and you fund the rest (the haircut). You keep the loan and all interest above the line’s cost, in exchange for covenants and often guarantees. See the warehouse line alternative.

Participations and co-lending

You fund part of each loan and a partner funds the rest; you usually lead and service. You stretch your capital but still put some in. See loan participations vs whole loans vs note-on-note. Lender Capital handles whole loans only, never participations: one capital partner buys the entire loan, settled through an escrow agent, and Lender Capital never lends or buys loans with its own money. To sell a whole loan you already funded, see sell your loans.

Whole loan buyers and forward flow

Credit funds, family offices and other investors buy closed loans one at a time or under a forward flow agreement. Lender Capital also offers this path for whole loans: you can sell loans you already funded to its capital partners.

Direct capital placement (Lender Capital)

Lender Capital is a business-to-business capital platform for private lenders: capital partners fund whole first-lien, business-purpose real estate loans at closing or buy whole loans lenders have already funded. It is not a lender, fund or investment adviser and does not set a lending program; it never lends or buys loans with its own money, and capital partners fund or buy the loans. It works with bridge, fix and flip, ground-up construction and DSCR rental loans.

You apply once and are reviewed on track record, underwriting and licensing. Each loan you submit goes only to capital partners whose criteria it fits, and they see the full file before committing. One capital partner table funds the whole loan at closing and the loan is assigned to it at closing. You keep servicing and the borrower relationship, keep your origination points less the placement fee, and earn a yield spread: price the note above the capital partner’s agreed rate and the difference is yours.

The placement fee follows a published schedule: 1.00% of the loan amount up to $3,000,000 and 0.75% of the amount above that (0.75% and 0.50% for preferred lenders), with a $2,500 minimum, paid at closing from your points and only when a loan funds. Capital partners pay no fees.

A hypothetical example: on a $500,000 bridge loan with 2 points ($10,000), a 12% note rate and a capital partner rate of 10%, you pay a $5,000 placement fee from the points, keep $5,000, and keep a 2% yield spread while the loan is outstanding. The capital partner earns most of the interest, so your spread depends on pricing with enough margin above its rate. Lender Capital is new, so judge it on how it works, not on a track record.

If you already funded a loan, you can also sell it through Lender Capital: a capital partner buys the whole loan. In the lender portal you choose the deal type for a loan you already funded and submit it as a whole first-lien, business-purpose loan with the current balance, payment history, your asking price and whether servicing is released or retained. It goes only to capital partners whose criteria it fits, they review the full file, and the sale settles through an escrow agent. The sale fee is 0.75% of the purchased balance (0.50% for preferred lenders), with a $2,500 minimum, only if the sale closes. See sell your loans.

How do I choose between Roc Capital and the alternatives?

Choose by deciding first what you want to keep after closing: the loan, the servicing, the borrower and an ongoing spread, or none of these in exchange for a provider’s program and back office. Then compare who funds at closing, approval requirements and fees. The full comparison is on capital providers for private lenders.

Use this checklist on any provider, including the ones named on this page. The lender due diligence checklist lists what providers will ask you for in return.

• Who funds at closing, and is the commitment firm before closing?
• Whose name is on the note, and who owns the loan afterwards?
• Whose guidelines and pricing apply, and what happens to a loan outside them?
• What you earn per loan: points, a premium, interest until sale, or an ongoing spread.
• Who services the loan and who the borrower calls after closing.
• Representations, warranties and repurchase obligations, and for how long.
• What approval takes: volume, net worth, setup costs, guarantees, timeline.
• Fees, when they are paid and whether they are owed if a loan doesn’t fund.
• How the capital is sourced and what happens to your pipeline if it tightens.
• Whether you can use other capital sources alongside this one.

Get the answers in writing and have counsel review any agreement. Nothing on this page is legal, tax or securities advice.

Frequently asked questions

What is Roc Capital?

Roc Capital is a capital provider for private lenders and part of Roc360. Its white-label table funding program funds the borrower’s loan at closing under the lender’s company and brand names, and the loan is assigned to Roc Capital at closing. Roc360 says it has directly funded over $20 billion since 2014.

What are some alternatives to Roc Capital?

Other white-label table funders, loan purchase and correspondent programs such as Toorak Capital Partners, bank or non-bank warehouse lines, participations and co-lending, whole loan buyers and forward flow agreements, and direct capital placement platforms such as Lender Capital.

Is direct capital placement the same as white-label table funding?

Lender Capital’s direct capital placement and white-label table funding both fund the whole loan at closing, and the loan is assigned at closing. With direct capital placement, the loan is matched to one capital partner whose criteria it fits, you set the note rate, keep servicing and the borrower, and earn a spread above the partner’s rate.

Can I use Roc Capital and other capital sources at the same time?

Many lenders use more than one capital source, for example a table funding program for some loans and a warehouse line or placement for others. Check each agreement for exclusivity or volume terms before you commit loans to more than one source.

Does Lender Capital buy loans like Roc Capital or Toorak?

Lender Capital never buys loans with its own money. Lender Capital is not a lender or fund; capital partners fund or buy the loans. It matches each first-lien, business-purpose loan with capital partners whose criteria it fits, and one capital partner funds the whole loan at closing. You can also sell a whole loan you already funded through Lender Capital: a capital partner buys it, for a sale fee of 0.75% of the purchased balance (0.50% for preferred lenders), $2,500 minimum, only if the sale closes.

Sources

• Roc Capital, White Label Table Funding (program page)
• Roc Capital, Our History
• Roc Capital, Full Back Office Support
• Roc360, “Roc360 Reaches $20 Billion in Loans” (May 12, 2026)
• Roc360, “Roc360 Closes $200M Residential Bridge Loan Securitization, Rated by DBRS Morningstar” (March 18, 2025)
• Morningstar DBRS, “Morningstar DBRS Finalizes Provisional Credit Ratings on ROC Mortgage Trust 2025-RTL1” (March 4, 2025)
• Toorak Capital Partners, Lender FAQ (US)