Capitalize.io

What Capitalize.io does

Capitalize.io, operating legally as ROAM Technologies, Inc. (Delaware), is a Newport Beach, California-based AI-powered data and marketplace platform focused on commercial real estate (CRE) lending. The company aggregates a proprietary database of 100K+ CRE lenders, 12M+ mortgage records, 650K+ lender contacts, and 2M+ sponsor profiles, and exposes this data through AI-driven search, matching, and market intelligence features. Its primary user-facing products include a nationwide loan and lender search, a "Smart Loan Matching" engine that uses machine learning on loan parameters and lender preferences, a "Distress Signals Dashboard" that surfaces pre-foreclosure and lis pendens indicators, bulk export and outreach tools, configurable market alerts, and quarterly market intelligence reports (Q1 2026 report covers 500K+ transactions). The company also positions itself as a two-sided network, recruiting lenders to host loan programs and rate sheets on the platform.

Capitalize targets four customer segments: commercial real estate brokers, capital-markets lenders and mortgage brokers, investors/owners/sponsors, and securities investors, with the first two segments treated as primary. Notable named users and logo customers include CBRE, Walker & Dunlop, NorthMarq, Cushman & Wakefield, Slatt Capital, Johnson Capital, Arbor Realty Trust, George Smith Partners, SVN, SRS, Renovo Financial, Encore Finance, Surmount, Conventus, and Archer Advisory, with the company claiming $1B+ in deals sourced and closed and 250K+ registered users. The product surface extends to a dedicated "Securities Investors" real-time data offering and a Mortgage Bankers Association membership for industry credibility.

The business model is B2B SaaS with a freemium entry point and two paid tiers: a Solo plan at $399/month billed monthly (up to 600 borrower downloads per seat, unlimited lender contact downloads, access to 60K+ lenders and 10M+ loan comps) and a Teams plan starting at $149/month per seat billed annually with team-based discounts up to 50% off, unlimited exports, broker-branded white-label, a free admin account, and a dedicated support manager. Go-to-market combines product-led growth (free nationwide search, self-serve signup, free trials) with enterprise field sales (HubSpot-scheduled demos, [email protected] enterprise inquiry funnel, lenders-network recruitment). The company is venture-backed with a $4M seed round closed in July 2025, led by Lerer Hippeau with Sway Ventures, FJ Labs, and Treasury participating, and was founded by Luke Morris, previously co-founder of Crexi, and Soren Craig.

Name

Capitalize.io

Legal name

ROAM Technologies, Inc.

Website

https://capitalize.io

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Capitalize.io is an AI-powered commercial real estate data and marketplace platform serving CRE brokers, lenders, sponsors, and securities investors. The Newport Beach, CA-based company matches borrowers with lenders across a proprietary database of 100K+ lenders and 12M+ mortgages via Solo and Teams SaaS subscriptions.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending Technology

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Commercial Real Estate Asset Management (BPAJAMAB)

Keywords

• Commercial real estate data
• CRE lending marketplace
• Loan comp database
• Lender matching platform
• CRE deal sourcing

Headquarters

HQ city

Newport Beach

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Solo Subscription (Premium): Monthly subscription at $399/month offering up to 600 borrower downloads per seat, nationwide access to 60K+ lenders, unlimited lender contact downloads, nationwide access to 10M+ loan comps, real-time market alerts, loan comparisons, unlimited saved searches, and 24-hour support. Billed monthly.
2. Teams Subscription (Per-Seat): Per-seat subscription as low as $149/month with team-based discounts up to 50% off, unlimited exports, broker branded white label, free admin account, and dedicated support manager. Billed annually. Targets elite CRE teams looking to scale.
3. Free Tier (Lead Generation): Free access to basic search of nationwide loan records, lender information, and loan comps. Used as a product-led growth entry point to drive conversion to paid Solo and Teams plans.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels15 records

Core offering

Capitalize.io operates an AI-powered commercial real estate data and networking platform that enables CRE brokers, lenders, and capital markets professionals to search nationwide loan records, find borrowers, compare loan comps, and connect with active CRE lenders. The platform combines a proprietary database of 100K+ lenders, 12M+ mortgages, 650K+ lender contacts, and 2M+ sponsors with machine learning-based Smart Loan Matching, distress-signal tracking, bulk outreach tools, and quarterly market intelligence reports.

Product overview

Capitalize.io offers a unified AI-powered commercial real estate data platform as its core product, supplemented by modular add-on features and two pricing tiers. The core Capitalize AI Platform provides nationwide access to a database of 100K+ lenders, 12M+ mortgages, 650K+ lender contacts, and 2M+ sponsors with search, prospecting, and networking capabilities. Add-on modules include Smart Loan Matching (AI-powered borrower-lender matching), Distress Signals Dashboard (pre-foreclosure tracking), Bulk Export & Outreach (mass record export with email templates), Market Intelligence (quarterly CRE trend reports), and Folders & Organization Tools (custom folder management). The platform is offered through Solo ($399/month) and Teams (starting at $149/month per seat) subscription tiers.

Differentiator

Problem solved

Functional benefit

Products and services

• Capitalize AI Platform An AI-powered commercial real estate data and networking platform that enables CRE professionals to search nationwide loan records, find borrowers, connect with lenders, and close deals. The platform aggregates 100K+ lenders, 12M+ mortgages, 650K+ lender contacts, and 2M+ sponsors with real-time market data and alerts, available via Solo and Teams subscriptions.

Quantifiable outcome

• $1 Billion+ of deals sourced and closed from Capitalize
• +3 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability6 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Mortgage Bankers AssociationcoreOthersCapitalize is a proud member of the Mortgage Bankers Association (MBA), providing industry credibility and access to the primary trade body for the commercial and residential mortgage banking industry.
• StripecoreTechnology or IntegrationStripe, Inc. is the designated payment processor for Capitalize's subscription billing. Capitalize's Terms of Service explicitly reference Stripe's privacy statement and use of personal information in payment processing.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Crexi: Commercial real estate marketplace founded by Capitalize co-founder Luke Morris; provides listings, comps, and deal-sourcing tools for CRE brokers, making it the closest peer in product and target customer despite Capitalize's lending/debt specialization.
• CompStak: Crowdsourced CRE lease and sale comp data platform serving brokers, lenders, and appraisers; directly comparable as a CRE comp data subscription product targeted at capital markets professionals.
• RealtyMogul: Online CRE debt and equity marketplace connecting sponsors with individual and institutional capital; directly comparable as a CRE lending marketplace with a multi-sided network model.
• PeerStreet: CRE debt marketplace that historically connected lenders with borrowers via pooled short-term bridge loans; directly comparable as a multi-sided CRE lending marketplace.

Broad incumbents

• Trepp: Established CRE debt data, analytics, and CMBS research provider; comparable as a paid subscription platform delivering CRE loan-level data and market intelligence to lenders, investors, and brokers.
• Reonomy: CRE property intelligence and data platform (part of Altus Group) used by brokers, lenders, and investors for property and ownership data; comparable as a paid CRE data subscription product.
• CoStar: Dominant CRE data and analytics platform with extensive property, comp, and loan information; represents the dominant incumbent Capitalize must differentiate against in CRE subscription data.
• PropertyShark: CRE property data, comps, and ownership intelligence platform owned by Yardi; comparable as a paid CRE data subscription targeting brokers and lenders.

Emerging players

• Cherre: CRE data analytics platform unifying property, financial, and market data for institutional investors and lenders; comparable as a CRE data infrastructure play serving similar enterprise buyers.
• Blooma: AI-driven CRE loan origination and underwriting platform used by lenders; overlaps with Capitalize on the lender-borrower matching and deal-sourcing workflow.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CapitalizeUS
• LinkedInlinkedin.com/company/capitalize-io

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capitalize.io