Most advisors take a deal and push it out to whoever will look at it. That approach wastes weeks on lenders who were never going to fund it, and a deal that has visibly circulated the market gets priced accordingly. We work in the opposite direction.
We underwrite before anything goes out — sizing, leverage, sources and uses, sponsor strength and exit. We find the questions a credit committee will ask and answer them inside the package.
Every lender has a box: asset type, geography, leverage, sponsor profile, and what they are actually funding this quarter. We approach only the handful positioned to execute.
Term sheet through funding: diligence lists, appraisal, title, insurance and legal. We chase every item, because a deal that stalls in diligence is a deal that reprices or dies.
Open any stage below to see what happens and why it matters.
Before a package leaves our desk we build the deal the way a credit officer will read it. That means sizing the loan against both the as-is and stabilized position, testing debt service coverage at realistic rates rather than the rate you hope for, and laying out sources and uses so there is no unexplained gap.
The point is to surface problems early, while they can still be solved, rather than three weeks into diligence when a lender finds them and the deal loses momentum.
A lending box is more than a product sheet. It is the combination of asset types a lender is comfortable with, the geographies they will travel to, their leverage tolerance, the sponsor profile their credit committee expects, and, crucially, what they are actively funding right now.
That last piece moves constantly. A lender who was aggressive on multifamily bridge in the spring may be full by the autumn. A construction lender may quietly stop taking ground-up outside their home market. None of that appears on a website.
We track those parameters across a network of more than 100 capital sources and keep them current through direct relationships. When your deal goes out, it goes to lenders who can genuinely execute it.
Lenders talk. When the same file arrives from four different brokers, or a lender recognises a deal they have already seen and passed on, it signals a transaction the market has rejected. That perception affects pricing and appetite before anyone has opened the rent roll.
This is also why we ask, on the application, whether the property has already been presented to lenders and to whom. It is not a judgment. It tells us which doors are still fresh and lets us route around the ones that are not.
Most deals do not die at the term sheet. They die in diligence, when an appraisal comes in late, an estoppel is missing, an insurance binder does not match lender requirements or a title exception surfaces that nobody chased.
We run the checklist actively: ordering third-party reports early, keeping counsel and title moving in parallel rather than in sequence, and following up on every outstanding item until it is cleared. You see the same list we do in your portal.
We are not a lender. We do not fund loans, hold paper or take credit risk, and we cannot commit to financing on any lender's behalf. Every approval comes from a third-party lender under their own underwriting.
We also will not take a deal we do not believe is placeable simply to have it on the books. If your transaction is not financeable in the current market, we will tell you that in the first conversation and explain what would need to change.
Six stages from first call to funded, with what happens at each one.
Our Process Apply Now