We're The Only Lender Financier That Funds Lender's When...
...The Lender Has Zero Or Little Current or Historical Revenue
...The Lender Has Little Lending Experience
...The Lender's Only Collateral Is A Signed End-Borrower Loan Agreement (Via Our Platform)
We named the new proprietary lender finance model "Chain Lender Financing."
Defined As: Establishing a reliable chain of debt financing where the lender becomes worthy of lender financing based on the creditworthiness & quality of the end-borrower & collecting loan payments from the end-borrower directly.
The lender and the end-borrower (both) get financed at the same time.
We act as a nominee on behalf of the lender to fund the end-borrower directly, and then we act as a payment processor to collect the loan payments from the end-borrower, we retain the amount that the lender owes us from their lender financing loan, and we provide the lender the rest (their profit).
Lenders Profit & APR Markup Is Based On Their Loan Volume Per Year
As an example, if the end-borrower loan is a $30,000 loan at 30% APR x 5 year term, the
starting APR spread/profit for a lender that produces less than $1M in loans per year would
be given a lender financing loan of 27% APR to finance the end-borrower loan at 30%, meaning the
lender will earn a 3% APR spread/markup x 5 years x $30,000 = $4,500.00
As the lender's YTD loan volume increases, they will earn a larger APR spread/markup.
||Loan Volume Per Year
||$ Profit On $30k 5 Yr 30% Loan
||Up To $1M
||15% Profit = $4,500.00
||$1M To $2M = ($84k/Mth)
||20% Profit = $6,000.00
||$2M To $5M
||25% Profit = $7,500.00
||$5M To $7M
||35% Profit = $10,500.00
||$7M To $10M
||50% Profit = $15,000.00
||$10M To $20M
||75% Profit = $22,500.00
||$20M To $50M
||100% Profit = $30,000.00