Private Lending Software for Every Seat in Your Shop
A private loan passes through a dozen hands: broker, loan officer, processor, underwriter, closer, servicing and your investors. LendingWise puts every one of them on the same loan file, so deals stop stalling between desks.
Sound familiar?
We’ve built software for private lenders for 10+ years, so we know where the hours actually go.
-
Slow Docs Kill Deals
Borrowers send half the file, then go quiet. By the time the last bank statement lands, the deal has closed with a faster lender. -
Quotes Walked Back
A loan officer quotes terms on the first call, underwriting can’t support them, and the broker who sent the deal stops sending more. -
A Pipeline in Spreadsheets
Status lives in a spreadsheet nobody trusts, so every week starts with “where is this file?” -
A Process in Someone’s Head
When your best processor takes a week off, files stop moving, because the checklist was never written down. -
Messy Broker Submissions
Brokers email PDFs, screenshots and half-filled forms, and someone on your team re-keys every one of them. -
Draws & Investors in Email
Draw requests, inspection photos and investor statements live in inboxes, a long way from the loan they belong to.
Built for everyone who touches the loan
Pick a seat. Each one works its own stage of the same loan, with the tools that seat actually needs.
Broker / TPO Registration
A customizable registration form for brokers and TPOs, with doc upload, so new partners onboard themselves with everything you need on file.
Broker & Loan Officer Portals
Brokers and loan officers get their own logins and links to submit deals and track their files.
Unique Forms per Branch, Broker & LO
Every branch, broker and loan officer gets their own unique, white-labeled form link, and every deal submitted through it is attributed automatically.
Real-Time Loan Status Portal
Borrowers and brokers see real-time loan status and required docs with open conditions through an encrypted, branded URL, no login needed. Preview a sample portal
Pipeline Management
Filter by date, status, sub-status, branch, broker or loan officer, pick your columns, save views for the whole company, see open docs & conditions per file and export to Excel.
Tasks
Manual tasks, workflow tasks and automation tasks in one list per loan and per user, so every next step has an owner.
Dashboards
Per-user dashboards with pipeline totals by stage, KPIs and upcoming closings.
Pricing Engine
Price every scenario inside the loan file with rule-based pricing: rate and points by LTV and FICO bands, property type, occupancy and loan program, plus your own overlays. Brokers see the same pricing you do, so quotes match from first call to term sheet.
Required Docs by Program
Set required docs per program and scenario (transaction type, property type, state, entity type and more), with conditions tracked under each doc.
Automated Doc Collection
Daily reminders keep every party on top of loan status and open conditions until the file is complete.
AI Doc Review Agent
Our A.I. doc review agent reviews each doc in real time the moment it’s uploaded, flagging what’s wrong or missing before it reaches underwriting.
Loan Inbox
Every loan has its own email address. CC or forward to it and the thread lands on the file, with attachments parsed and filed to the right required doc in one click.
Instant Calcs
LTV, LTC, ARV, DSCR, DTI & more calculate as you type, with a Deal Analysis view of the numbers that matter.
Guideline Warnings
The loan warns you the moment it falls outside your program’s guidelines on amount, rate, FICO, experience, points, LTV, LTC or ARV.
Exceptions Management
Request, review and approve exceptions to your guidelines on the loan, with who approved what and why recorded on the file.
Credit Decisions & Conditions
Credit memo, credit decision with conditions, and adverse action notices, all recorded on the loan.
Doc Generation
Generate term sheets and loan docs from 30+ built-in templates, merge tags and doc packages, or design your own in the doc template wizard.
Built-In E-Sign
Send docs for signature from the loan: assign signers, set the signing order, and signers sign from an emailed link, no login needed. The signed PDF and certificate of completion file themselves.
Legal Doc Integrations
Send loan data to Lightning Docs, DocLab, GoDocs, DocMagic & more for closing docs.
Activity Log & Field History
Every note, change and action on the loan is captured in the activity log, with per-field history showing who changed what, and when.
Required Docs by Program
Set required docs per program and scenario (transaction type, property type, state, entity type and more), with conditions tracked under each doc.
Roles & Permissions
Control exactly what every role can see and do, from back office to broker.
Immutable Double-Entry Ledger
Every number on the loan is derived from a double-entry ledger that can’t be edited after the fact, so balances always tie out.
Payoff Quotes & Statements
Generate payoff quotes and borrower statements straight from the ledger.
Borrower Draw Requests
Borrowers request draws line item by line item through a web form, with photos and docs.
Holdback Tracking
See the remaining holdback and percent complete on every loan at a glance.
Evergreen or Closed-End Funds
Evergreen funds with NAV strikes, units, subscriptions, redemptions (notice, lock-ups & gates) and DRIP, or closed-end funds with commitments and capital calls.
Capital That Follows Every Loan
Allocate each loan across your fund, direct investors, balance sheet or credit line, in senior, mezzanine or junior positions, with income and principal flowing back from servicing.
Distributions & Waterfalls
Reviewed distribution runs with DRIP, return of capital and preferred-return waterfalls with carry, and the math shown on every run.
Investor Portal
Investors see their ROI, deal allocation and diversification, distributions, and K-1 & 1099 tax packages any time, without emailing you.
Investor Statements
Statements for every investor, including PDF, generated from the fund ledger.
Capital Raising
Publish an offering page for each fund, let investors subscribe or commit in the portal, and approve and fund them in one click. Raise for a fund, or debt or equity deal by deal.
Investor Onboarding & Accreditation
Investors self-certify for 506(b) offerings or upload evidence for your verification on 506(c), and only accredited investors can subscribe.
Activity Log & Field History
Every note, change and action on the loan is captured in the activity log, with per-field history showing who changed what, and when.
Credit Decisions & Conditions
Credit memo, credit decision with conditions, and adverse action notices, all recorded on the loan.
Exceptions Management
Request, review and approve exceptions to your guidelines on the loan, with who approved what and why recorded on the file.
Multi-Level User Architecture
Back office, branches, brokers and loan officers in one platform, each with their own portal and permission levels.
How workflow steps work
Every stage of the loan carries its own checklist, so each seat knows exactly what’s left to do on the file, and nothing depends on someone’s memory.
-
Unique to each stage
Application, processing, underwriting, closing and post close each have their own steps, owned by the seat that works that stage. Steps can run in parallel.
-
Dynamic to the loan
Steps appear only when they apply, based on loan program, transaction type, property type, property state, credit score, entity type, branch and file status. A refinance gets a payoff step; a purchase doesn’t.
-
Steps trigger automations
Completing a step can fire your automation rules: create tasks, send templated emails or call webhooks. Every rule that fires is logged.
-
Notes on every step
The team discusses a step right where the work happens, so questions and answers stay with the loan, not in someone’s inbox.
Broker Workflow
3 of 6 done-
Take prospect through the funding assessment (done)Team notes
-
Send prospect the full app link (done)1 team note
-
Pull prospect’s credit (done)Team notes
-
Request basic documents from prospect (to do)2 team notes
-
Upload supporting documents (to do)Team notes
-
Assign file to processing manager (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Application Workflow
3 of 6 done-
Upload executed contract (done)Team notes
-
Send term sheet (done)2 team notes
-
Order appraisal (done)Team notes
-
Complete full application & have it signed (to do)1 team note
-
Complete background & experience review (to do)Team notes
-
Send to processing (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Processing Workflow
3 of 6 done-
Review the rehab budget (done)1 team note
-
Run title & lien search (done)Team notes
-
Order payoff from existing mortgage holders (done)Team notes
-
Upload title commitment (to do)3 team notes
-
Order or update property insurance coverage (to do)Team notes
-
Send update-required doc status to borrower (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Underwriting Workflow
2 of 5 done-
Review full loan file (done)Team notes
-
Perform legal review of entity & authorized signers (done)2 team notes
-
Order environmental study (to do)1 team note
-
Underwrite loan & place with the right investor or lender (to do)Team notes
-
Review & approve preliminary HUD (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Closing Workflow
3 of 6 done-
Prepare closing docs (done)Team notes
-
Confirm closing day, time & place with all parties (done)3 team notes
-
Prepare & send closing instructions (done)Team notes
-
Complete funding conditions checklist (to do)1 team note
-
Send final HUD (to do)Team notes
-
Initiate & confirm wire received (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Post Closing Workflow
2 of 5 done-
Check on recording of mortgage & note (done)Team notes
-
Create & stack loan package (recorded mortgage, note, deed) (done)1 team note
-
Upload original title policy (to do)2 team notes
-
Onboard loan servicer (to do)Team notes
-
Send stacked package to lender or investor custodian (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Draws & Servicing Workflow
2 of 4 done-
Review draw request (done)2 team notes
-
Order property inspection (done)Team notes
-
Schedule wire for draw (to do)1 team note
-
Post payment & send monthly statement (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Fund Management Workflow
2 of 4 done-
Allocate funded loan to its capital source (done)Team notes
-
Record investor capital call & contributions (done)1 team note
-
Strike month-end NAV (to do)2 team notes
-
Run distribution waterfall (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
Investor Relations Workflow
2 of 4 done-
Approve new investor accreditation (done)1 team note
-
Publish quarterly investor statements (done)Team notes
-
Answer position questions in the investor portal (to do)3 team notes
-
Release K-1 & 1099-INT summaries (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
QC Review Workflow
3 of 6 done-
QC review: confirm the loan file is complete before clear to close (done)2 team notes
-
Verify every condition is cleared & exceptions are approved (done)Team notes
-
Review & approve preliminary HUD (done)1 team note
-
Check field history for changes after approval (to do)1 team note
-
Post-close QC: review & approve the executed loan package (to do)Team notes
-
Sign off & release file to servicing (to do)Team notes
Example workflow. Steps, conditions and automations are configurable per loan program.
One file, passed cleanly from desk to desk
Loan officers, processors, underwriters, closers and funders each work their own stage, then servicing and your fund take over. Nobody re-keys the hand-off.
- Loan Officer
- Processor
- Underwriter
- Closer
- Funder
- Servicer
- Fund & Investors
Complete files, without the chase.
When files arrive half-finished, your processors spend the week chasing. LendingWise asks for the right documents for each program and scenario, reminds every party daily until the file is complete, and reviews each upload with AI the moment it lands.
- Branded intake: Quick App and Full App webforms per program, with a unique link for every broker, loan officer and branch
- Automatic follow-up: daily reminders and a real-time status portal for borrowers and brokers
- Result: files reach underwriting complete, and good deals stop dying in the doc chase
Quotes that hold from the first call to the term sheet.
A quote that gets walked back costs you the borrower and the broker. LTV, LTC, ARV and DSCR calculate as you type, the loan warns you the moment it falls outside your guidelines, and brokers see the same pricing you do.
- Guardrails: guideline warnings on amount, rate, FICO, experience, points, LTV, LTC and ARV
- Exceptions on the record: who approved what, and why, recorded on the file
- Result: the terms you quote are the terms you close
Release what the work supports, then service to the cent.
Rehab and construction loans don’t end at closing. Borrowers request draws line by line with photos, you review each line and order inspections, and funded draws flow straight into servicing, where every balance comes from one ledger.
- Draws: scope-of-work budgets, line-item review and holdback tracking on every loan
- Servicing: daily interest accrual, payment waterfalls, payoff quotes and statements
- Result: no more draw spreadsheets, and balances that reconcile
Know whose money is in every loan.
When your capital comes from a fund, direct investors or a credit line, tracking it in spreadsheets doesn’t scale. Allocate every loan to its capital source, run distributions from the fund ledger, and give investors a portal for their statements and tax packages.
- Funds: evergreen or closed-end, with capital calls, subscriptions and redemptions
- Investors: an investor portal with positions, statements, and K-1 & 1099-INT summaries
- Result: fewer investor emails, and capital you can raise and report on in one place
Everything else your shop runs on
A few more of the tools private lenders use every day.
-
Pre-Built Loan Programs
Start with programs for fix & flip, rental/DSCR, portfolio, construction, bridge, CRE, Agency, SBA, MCA & business funding, with 1,000+ fields across loan types. -
Internal Loan Programs & Overlays
Internal loan programs work like investor or lender overlays: they insert specific workflow steps, required docs and form fields into the file, so every loan is built ready to sell or get funded by the right capital partner. -
Loan Workflows
Workflows per program with stages, sub-statuses and checklists, including steps that run in parallel. -
Automation Rules Engine
Trigger tasks, templated emails and webhooks from stages, sub-statuses and workflow steps. Every rule that fires is logged. -
Credit, Flood, Fraud & ID Reports
Order credit, flood, fraud and identity reports from inside the file through Xactus and MeridianLink. -
Bank-Level Security
Hosted 100% on AWS, aligned with SOC 2 & PCI compliance, with data encrypted & backed up daily. Visit our Trust Center for details.
Don’t take our word for it
“We grew our loan origination volume from $40M a year to $40M a month!”
Adonis LockettCEO, LNH Capital
“LendingWise has been an invaluable CRM & LOS software platform to help us manage our borrowers, broker network and ever growing private money deal flow. They make our intake, processing, underwriting & loan closing process extremely efficient, which helps us continually grow and scale our hard money lending business!”
Jeff FechterCEO, HouseMax Funding
“LendingWise delivered a robust, secure, cloud-based platform that perfectly aligns with our CRE lending requirements. Our entire team, from sales to back office, and even our external partners like brokers and borrowers, seamlessly use our white-labeled digital lending platform, which integrates effortlessly with our existing Cross River banking products. Great job LendingWise Team!”
Jaime FinkelsteinHead of Operation, Cross River Bank
Private lending software FAQ
Can our brokers and loan officers submit deals directly?
Can we control what each role sees and edits?
Do servicing, draws and fund management run on the same platform?
Which loan programs can we run?
How do we get started?
'%3e%3crect%20x='1'%20y='1'%20width='2'%20height='2'%20rx='0.3'%20fill='%23C2F2EC'/%3e%3c/g%3e%3cg%20transform='matrix(1,0.5,-1,0.5,38.00,33.50)'%3e%3crect%20x='1'%20y='1'%20width='2'%20height='2'%20rx='0.3'%20fill='%23E3F6FE'/%3e%3c/g%3e%3cpolygon%20points='21,21%2033,27%2031.8,27.6%2019.8,21.6'%20fill='%23F3F8FD'%20stroke='%23BFD6EC'%20stroke-width='.35'%20stroke-linejoin='round'/%3e%3cpolygon%20points='19.8,35.6%2031.8,41.6%2031.8,27.6%2019.8,21.6'%20fill='%23FFFFFF'%20stroke='%23BFD6EC'%20stroke-width='.35'%20stroke-linejoin='round'/%3e%3cpolygon%20points='33,41%2031.8,41.6%2031.8,27.6%2033,27'%20fill='%23D3E4F3'/%3e%3cg%20transform='matrix(1,0.5,0,1,19.80,21.60)'%3e%3crect%20x='0'%20y='0'%20width='12'%20height='2.4'%20rx='0'%20fill='%23F58220'/%3e%3crect%20x='5.4'%20y='4.6'%20width='5'%20height='1'%20rx='0.6'%20fill='%23C5ECFB'/%3e%3crect%20x='5.4'%20y='6.6'%20width='4'%20height='1'%20rx='0.6'%20fill='%23C5ECFB'/%3e%3crect%20x='1.5'%20y='10'%20width='9'%20height='1'%20rx='0.6'%20fill='%23C5ECFB'/%3e%3crect%20x='1.5'%20y='11.8'%20width='6'%20height='1'%20rx='0.6'%20fill='%23C5ECFB'/%3e%3c/g%3e%3cg%20transform='translate(23.00%2029.60)'%3e%3ccircle%20cx='0'%20cy='-1'%20r='1.5'%20fill='%231FB5E8'/%3e%3cpath%20d='M-2.4%202.6c.4-1.6%201.3-2.3%202.4-2.3s2%20.7%202.4%202.3z'%20fill='%231FB5E8'/%3e%3c/g%3e%3cg%20transform='translate(33.50%2032.25)'%3e%3cpath%20d='M-3.2%201.6%203-1.5M.4-2.2%203-1.5%202.2%201'%20fill='none'%20stroke='%23F58220'%20stroke-width='1.2'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3c/g%3e%3c/svg%3e){kind=small}
'%3e%3cpath%20d='M9.5%200H13v3.5z'%20fill='%23C5ECFB'/%3e%3crect%20x='2'%20y='2.4'%20width='6'%20height='1.2'%20rx='0.6'%20fill='%231FB5E8'/%3e%3cpath%20d='M3%209.6%206.5%206.6%2010%209.6z'%20fill='%23F58220'/%3e%3crect%20x='3.8'%20y='9.6'%20width='5.4'%20height='3.4'%20rx='0.2'%20fill='%238FE0FA'/%3e%3crect%20x='5.8'%20y='11'%20width='1.4'%20height='2'%20rx='0.1'%20fill='%230A8FC4'/%3e%3crect%20x='2'%20y='14.2'%20width='9'%20height='0.9'%20rx='0.6'%20fill='%23C5ECFB'/%3e%3c/g%3e%3cellipse%20cx='32'%20cy='45.5'%20rx='4.2425999999999995'%20ry='2.1212999999999997'%20fill='%2300A898'/%3e%3crect%20x='27.7574'%20y='43.9'%20width='8.485199999999999'%20height='1.6'%20fill='url(%23g-teal)'/%3e%3cellipse%20cx='32'%20cy='43.9'%20rx='4.2425999999999995'%20ry='2.1212999999999997'%20fill='%238AE5DA'/%3e%3cg%20transform='matrix(1,0.5,-1,0.5,32.00,43.90)'%3e%3cpath%20d='M-1.6%200l1%201%202-2'%20fill='none'%20stroke='%23fff'%20stroke-width='0.9'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3c/g%3e%3c/svg%3e){kind=small}
'%3e%3crect%20x='1'%20y='1'%20width='10'%20height='11'%20rx='0.6'%20fill='%230A8FC4'/%3e%3crect%20x='9.4'%20y='4.6'%20width='0.8'%20height='3.6'%20rx='0.3'%20fill='%23E3F6FE'/%3e%3c/g%3e%3cg%20transform='translate(24.40%2033.30)'%3e%3ccircle%20cx='0'%20cy='0'%20r='3'%20fill='%23E3F6FE'%20stroke='%23fff'%20stroke-width='.6'/%3e%3cpath%20d='M0-2.2V2.2M-2.2%200H2.2M-1.5-1.5%201.5%201.5M-1.5%201.5%201.5-1.5'%20fill='none'%20stroke='%230A8FC4'%20stroke-width='0.6'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3ccircle%20cx='0'%20cy='0'%20r='0.9'%20fill='%23F58220'/%3e%3c/g%3e%3cpolygon%20points='36,40.5%2041,43%2038.4,44.3%2033.4,41.8'%20fill='%23FFC06A'/%3e%3cpolygon%20points='33.4,43.8%2038.4,46.3%2038.4,44.3%2033.4,41.8'%20fill='%23F58220'/%3e%3cpolygon%20points='41,45%2038.4,46.3%2038.4,44.3%2041,43'%20fill='%23E56C0A'/%3e%3cpolygon%20points='32.8,42.1%2037.8,44.6%2035.2,45.9%2030.2,43.4'%20fill='%23FFC06A'/%3e%3cpolygon%20points='30.2,45.4%2035.2,47.9%2035.2,45.9%2030.2,43.4'%20fill='%23F58220'/%3e%3cpolygon%20points='37.8,46.6%2035.2,47.9%2035.2,45.9%2037.8,44.6'%20fill='%23E56C0A'/%3e%3cpolygon%20points='34.4,39.3%2039.4,41.8%2036.8,43.1%2031.8,40.6'%20fill='%23FFC06A'/%3e%3cpolygon%20points='31.8,42.6%2036.8,45.1%2036.8,43.1%2031.8,40.6'%20fill='%23F58220'/%3e%3cpolygon%20points='39.4,43.8%2036.8,45.1%2036.8,43.1%2039.4,41.8'%20fill='%23E56C0A'/%3e%3c/svg%3e){kind=small}
Sign up now & get started in minutes!
Let us show you how our end-to-end system can transform your lending operations:
Book Demo