Private lenders
Broker flow feeds this whole business, and brokers re-broker. Deals arrive half-built, a cut comes out at every link, and it takes a stack of them to fund one flip. The math still works; that’s why every shop runs on it. But a book fed by two or three broker relationships has one setting nobody controls: the pace. When the flow runs, capital deploys. When one broker goes quiet, the book waits.
And the borrowers every lender wants are out there the whole time: repeat operators coming off one flip and already into the next, shopping for terms. They don’t wait for the chain to find them. The institutional shops reach them at scale, the chain gets them to you last, and the file goes to whoever got to the borrower first.
Why nobody goes looking
Every principal wants the file with no chain on it. But going direct has always meant taking on a second job: ad spend against institutional budgets, directory listings that get thinner every year, meetup circuits that pay off in six months if they pay off at all. A principal who is also the underwriter doesn’t have one to spare. So the book stays on broker pace, not by choice, by bandwidth.
That’s the job we take off the desk. A live borrower leaves signs, if you know where to look: a flip just closed, the next one just under contract. We read those signs, we go to the operator directly, and what lands on your desk is a borrower, not brokered paper.
What a full pipeline buys
Capital sitting between deals is the cost nobody invoices you for: a book that should be working instead of waiting on the next fundable file, and yield you never get back. Rate can’t fix that; deployment is what moves the year. A steady line of direct borrowers keeps originations monthly instead of lumpy and loosens the grip any single relationship has on your deal flow. The book stops waiting.
Who we go after
We reach repeat flippers with a funded deal behind them in the last year and the next one lined up or closing in on it.
The bar you set
You decide what a fundable borrower looks like, and we hold every one to it: a real flip under contract or in active pursuit, proof of funds for the equity and points, a credible exit, and no commitment to another lender on it. Whether the deal pencils at your terms is your call, in your own underwriting. The borrowers who clear it come to you ready to fund.