Preliminary underwriting is based upon a multi-tier strategy that allows us to provide your client the funding they require without the need for multiple lenders and multiple submissions. Here’s how that works:

Tier One: Direct Lender (We fund in-house)

• As a direct portfolio lender we set the criteria for the loans we fund. We work creatively to make our loans financially viable.

Tier Two: Private Placement (We package loans to private investors)

• Upon submission, we present the loan to our in-house investors that have the ability to fund hard money loans ranging from $100K to $1M. These investors rely on our expertise and recommendations for funding loans.

Tier Three: Co-Op Lending (We act as a clearing-house/exchange)

• If we or our investors decide to pass on the loan, we initiate tier three procedures. This introduces your loan, without any further work from you, to our network of Hard Money Funding Institutions. These are organizations that have investors of their own and have given us access. This means that your loan may be submitted to as many as 5-10 organizations within our network. The advantage is clear: We have the knowledge of and access to the dozen or so direct hard money lenders in the US, know how to ‘package’ the loan and structure the deal, know where it has the best fit and can ‘float’ it, saving you both the time and trouble in the long run.

Because of this multi-tiered structure, we are more successful in providing a complete solution.