How It Works
Application to Funded. In Days.
A step-by-step look at how we underwrite and fund your portfolio. Every term explained. No black boxes.
Submit Your Portfolio
Upload your Schedule of Real Estate Owned (SREO) and recent operating statements. Brokers can do this on behalf of borrowers. Our system accepts PDFs, spreadsheets, or direct input.
- Property-level rent rolls and operating statements
- Current debt schedule (mortgage amounts, rates, terms)
- Portfolio summary with unit counts and occupancy
AI-Powered Underwriting
Our underwriting engine extracts and analyzes your portfolio data automatically. We evaluate the portfolio as a whole — not property-by-property — which typically results in better terms.
- Net Operating Income (NOI) — revenue minus operating expenses
- Debt Service Coverage Ratio (DSCR) — how much free cashflow after mortgage payments
- Free cashflow analysis — the actual cash available to service our advance
- Stress testing — how the portfolio performs under adverse scenarios
Term Options Delivered
You receive a Letter of Intent (LOI) with clear term options. No hidden fees, no vague language — straightforward terms tailored to your portfolio.
- Advances from $50K to $500K
- Competitive annual financing rates
- Flexible term lengths
- Straight-line principal and interest repayment
Capital Deployed
Once you accept terms, we finalize documentation and deploy capital. Target timeline is 5–10 business days from application to funding. Repayment comes from the cashflow we already analyzed.
- UCC lien on cashflows — no equity dilution
- No property liens filed
- No mortgage holder approval needed
- No personal guarantees required
No Catch
What We Don't Require
Everything that makes traditional financing painful — gone.
No equity dilution
No personal guarantees
No property liens
No mortgage holder approval
FAQ
Frequently Asked Questions
Revenue-based financing (RBF) is a form of capital where we advance funds against the free cashflow your portfolio generates. Unlike a traditional loan, we don't require property liens or equity stakes. We secure our position with a UCC lien on the cashflows themselves. Think of it as a cash advance against the rental income your properties already produce.
A UCC (Uniform Commercial Code) lien is a legal claim on a business asset — in this case, the cashflow from your rental properties. It does not affect property ownership, does not appear as a lien on the property title, and does not require mortgage holder approval. It's a much lighter structure than a traditional mortgage or deed of trust.
Bridge and hard money lenders typically require property liens, personal guarantees, and mortgage holder consent. They're also expensive. Release offers non-recourse financing at competitive rates without any of those requirements. We also fund faster because our AI-powered underwriting eliminates weeks of manual analysis.
We work with multifamily, mixed-use, retail, and industrial portfolios. The key requirement is that the portfolio generates positive free cashflow after debt service. We look at the portfolio as a whole, so even if individual properties have varying performance, strong overall cashflow can qualify.
Typical advances range from $50K to $500K, depending on the free cashflow your portfolio generates. We evaluate advance amounts based on a haircut to the free cashflow — essentially, we'll advance a percentage of what we calculate as safely available cash.
No. Our UCC lien on cashflows does not affect the underlying mortgage, so mortgage holder approval is not required. This is one of the biggest advantages of our structure — you can access capital without involving your primary lender.
Repayment follows a straight-line principal and interest schedule over the term you select. Payments come from the rental cashflow your properties generate — the same cashflow we underwrote during the application process.
Yes. Brokers can submit property schedules and financial information on behalf of their clients through our portal. We work with commercial real estate brokers across the country and pay competitive referral fees on funded deals.