Capital for Tech-Enabled
Lending Platforms
Warehouse facilities and forward-flow capital for tech-enabled lending platforms with scalable origination, strong data infrastructure, and institutional readiness.
What Makes Platform Finance Different
Platform lenders operate differently than traditional specialty finance companies. Technology-driven origination, automated underwriting, and scalable infrastructure require capital partners who understand modern lending economics.
Technology-First Underwriting
Automated decisioning, alternative data, and real-time risk assessment.
Scalable Infrastructure
API-driven origination that can grow without proportional headcount.
Data-Rich Portfolios
Granular performance data enabling sophisticated risk modeling.
Explore Your Capital Options
Use our tools to assess fit, estimate facility sizing, and compare financing economics.
Quick Fit Assessment
Answer a few questions to see if your platform may qualify for institutional capital.
Estimates are illustrative only. Actual terms depend on platform specifics, lender requirements, and market conditions.
Platform Types We Finance
Capital solutions for tech-enabled lenders across the platform finance ecosystem.
Vertical Software Lenders
Industry-specific software platforms with embedded lending—healthcare, logistics, construction, and more.
Direct Digital Lenders
Tech-enabled originators with automated underwriting, instant decisioning, and programmatic funding.
Marketplace Platforms
Two-sided platforms connecting borrowers with capital through proprietary matching and risk models.
Partner Distribution Platforms
Lenders originating through channel partners, ISOs, or embedded integrations with structured servicing.
Lending-as-a-Service Platforms
Infrastructure providers and white-label platforms powering third-party origination programs.
Digital Banks & Neobanks
Digital-first financial platforms with lending products built on modern core banking infrastructure.
Typical Platform Requirements
Common criteria institutional lenders consider—thresholds vary by lender and structure.
Monthly Origination
Typically $2M+ monthly
Consistent origination signals product-market fit; earlier-stage platforms may qualify with strong trajectory.
Operating History
Typically 12+ months
Track record through cycles is preferred; strong teams with prior experience may qualify earlier.
Data Infrastructure
Loan-level data exports
Ability to produce granular performance data for institutional diligence and reporting.
Technology Stack
Modern, scalable systems
Automated underwriting, servicing systems, and API capabilities for integration.
Compliance Positioning
Licensing & bank partnerships
Clear regulatory positioning with appropriate state licenses or bank sponsor relationships.
Ready to scale?
Speak with our team to discuss a facility structure tailored to your platform.
What Institutional Lenders Evaluate
Key factors that differentiate platform finance diligence from traditional lending.
Data Quality
Granular loan-level data, real-time reporting, and clean data architecture.
Technology Stack
Automated underwriting, API capabilities, and scalable infrastructure.
Unit Economics
Customer acquisition costs, lifetime value, and path to profitability.
Team & Governance
Management experience, board composition, and operational controls.
Platforms at Every Stage
Capital solutions scaled to your platform's growth trajectory.
Early Stage
First institutional facility for platforms with proven unit economics and $2M+ monthly origination.
Growth Stage
Expanded facilities and diversified capital sources for platforms scaling to $50M+ monthly volume.
Scale Stage
Optimized capital structure, multiple facility providers, and institutional-grade reporting.
Platform-Specific Capabilities
End-to-end execution support tailored to tech-enabled lending platforms.
Warehouse Facilities
Structure warehouse lines designed for platform economics—API-driven origination, automated underwriting, and scalable deployment models.
Forward-Flow Agreements
Negotiate programmatic purchase agreements with institutional buyers seeking consistent, high-quality origination flow.
Data Infrastructure Review
Assess and prepare your data architecture, reporting systems, and analytics capabilities for institutional-grade diligence.
Compliance & Licensing
Navigate state licensing, bank partnership structures, and regulatory positioning for scalable, compliant growth.
From Assessment to Funding
Best fit for platforms with a defined origination model, institutional-quality data, and a clear path to scalable facility deployment.
Platform Assessment
Evaluate technology stack, origination model, underwriting logic, and portfolio performance.
Data & Materials
Prepare institutional-grade data exports, API documentation, and lender presentation materials.
Lender Process
Run structured outreach to warehouse lenders and credit funds with platform lending experience.
Execution & Close
Manage diligence, negotiate facility terms, and coordinate documentation to funding.
Platform Finance
FAQ
Answers to common questions about securing institutional capital for lending platforms.
Have other questions? Contact usWhat makes platform finance different from traditional specialty finance?
Platform lenders typically have technology-driven origination, automated underwriting, and scalable infrastructure. Institutional lenders evaluate not just portfolio performance but also technology stack, data quality, and operational scalability.
What stage platforms do you work with?
We work with platforms from Series A (seeking first institutional facility) through growth stage ($50M+ monthly origination). Key factors are technology maturity, data quality, and demonstrated unit economics.
How do lenders evaluate platform technology?
Lenders assess data infrastructure, API capabilities, underwriting automation, servicing systems, and reporting quality. Strong technology often translates to better advance rates and terms.
What data do institutional lenders require?
Typical requirements include loan-level performance data, underwriting model documentation, vintage analysis, cohort performance, and real-time reporting capabilities. We help prepare this in institutional format.
How long does it take to close a facility?
First-time facilities typically take 4-6 months. Platforms with strong data infrastructure, clean compliance positioning, and existing institutional relationships can move faster.
Scale Your Lending Platform with Institutional Capital
Warehouse facilities and forward-flow agreements designed for tech-enabled originators.