Toorak Capital Partners

What Toorak Capital Partners does

Toorak Capital Partners is a B2B fintech founded in 2016 by John Beacham that provides third-party capital funding to private and correspondent real estate lenders in the US and UK. The company does not lend directly to borrowers; instead, it funds bridge, fix-and-flip, ground-up construction, rental (DSCR) investor, and multifamily/mixed-use loans originated by its lending partners, while those partners retain the end-customer relationship. Toorak has facilitated over $15 billion in loans since inception, works with 100+ lending partners, and is headquartered in Tampa, Florida (relocated from New Jersey in 2024) with additional offices in Summit, NJ and London.

The company's core technology is Toorak Connect, a proprietary AI-powered loan funding platform that automates document data extraction, provides real-time data flows, and feeds a centralized data warehouse used for predictive credit modeling. Underwriting is supported by full internal plus third-party review, and the company maintains a suite of products across the loan lifecycle and geographies, including a UK bridging/refurbishment book (3-24 month terms up to £5.0M) and US products ranging from 1-4 family bridge loans (up to $7.5M, up to 85% LTC) to ground-up construction (up to $10M, up to 90% blended LTC) and 30-year DSCR rental loans.

Toorak generates revenue primarily through interest income and origination/funding fees on the capital it deploys to lending partners, plus transaction economics from its securitization platform, which has executed multiple rated Residential Transition Loan (RTL), residential bridge, DSCR, single-family rental, and multifamily/mixed-use ABS transactions since 2018 — including the first-ever rated RTL and multifamily/mixed-use RTL securitizations. The business is funded by KKR capital commitments (totaling $500M+) and recycled through securitization, enabling capital recycling at scale. Correspondent lenders are onboarded through a 4-6 week vetting process with a $10,000 setup fee and minimum volume/net worth thresholds, and the company also operates senior relationship functions for both US Lender Relations & Capital Markets and UK Lender Relations.

Name

Toorak Capital Partners

Legal name

Toorak Capital Partners

Website

https://toorakcapital.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Toorak Capital Partners, founded in 2016 and KKR-backed, is a B2B fintech that provides third-party capital to private US and UK real estate lenders across bridge, fix-and-flip, construction, DSCR rental, and multifamily/mixed-use loan products via its proprietary Toorak Connect platform.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending Capital

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231), Investment Banking and Securities Intermediation (523150)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Mini-Correspondent / Table Funding Programs (FSALACAC)

akta.pro secondary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Private real estate lending
• Residential bridge loans
• Fix-and-flip financing
• Loan securitization services
• B2B capital provision

Headquarters

HQ city

Summit

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Funding to Lenders: Toorak provides capital to real estate lenders (loan originators) to fund their bridge, fix-and-flip, ground-up construction, and DSCR/rental loans. Revenue is generated through interest income and origination/funding fees on the capital it deploys to lending partners. Toorak funds the loan; the lender retains the customer relationship.
2. Securitization Platform: Toorak operates a robust securitization platform, issuing rated Residential Transition Loan (RTL) and residential bridge loan ABS transactions. This enables it to warehouse loans, securitize them, and recycle capital for further lending. Multiple rated securitizations have been completed since 2018, including first-ever rated RTL and multifamily RTL securitizations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Toorak Capital Partners provides third-party capital funding to small-balance business-purpose real estate lenders (correspondent lenders) in the US and UK. It funds bridge, fix-and-flip, ground-up construction, and DSCR/rental loans originated by these lending partners, while the partners retain the borrower relationship. Toorak also operates a securitization platform that issues rated residential transition loan (RTL) and residential bridge ABS transactions, recycling capital for further lending.

Product overview

Toorak Capital Partners operates as a B2B fintech platform that provides capital funding to real estate lenders (not a direct lender). Their core platform is Toorak Connect, an AI-powered loan funding system. They fund RTL Loans (Residential Transitional Loans), Bridge, Fix & Flip, and Ground-Up loans on Residential, Multifamily, and Mixed-Use properties throughout the US and UK. The product portfolio includes specialized loan products (Bridge 1-4 Family, Multifamily/Mixed-Use, Ground-Up Construction, DSCR Rental Loans, UK Bridging Loans) supported by AI-powered document extraction and a proprietary data warehouse for credit analytics.

Differentiator

Problem solved

Functional benefit

Brands

• Toorak Connect: Proprietary AI-powered loan funding platform that enables efficient, reliable and transparent funding, giving full transparency into the review and approval process

Products and services

• Bridge Loans (1-4 Family Residential)
• Fix & Flip Loans
• Ground-Up Construction Loans
• Rental (DSCR) Investor Loans
• Multifamily/Mixed-Use Loans
• UK Bridging and Refurbishment Loans
• Toorak Connect
• Securitization Platform

Quantifiable outcome

• $15B+ in capital provided to lending partners since 2016
• +4 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Roc Capital: Private real estate capital provider to business-purpose lenders, with bridge, fix-and-flip, and ground-up construction products. Closely mirrors Toorak's correspondent/wholesale funding model for non-bank originators.
• Kiavi (formerly LendingHome): Tech-enabled bridge and fix-and-flip lender operating both direct-to-borrower and capital-partner programs. Competes for the same RTL/bridge borrower pool and offers a similar end-to-end technology-driven underwriting experience.
• Angel Oak Mortgage Solutions: Non-QM residential mortgage lender and securitizer issuing rated non-QM ABS. Competes with Toorak for non-bank lender capital partnerships and shares a comparable securitization-led business model in the same borrower segments.
• Invictus Capital Partners: Business-purpose loan division focused on residential transition lending. MD-level Toorak executive Ketan Parekh previously led Invictus's BPL division, signaling deep product and operational overlap as a direct competitor.
• Verus Mortgage Capital: Non-QM and business-purpose residential mortgage investor and capital provider. Multiple Toorak leaders (Joseph Kohout, Hanna Gottlieb) came from Verus, and Verus operates in the same RTL/DSCR/non-QM securitization space — a close direct competitor for both lender capital and ABS investors.
• Lima One Capital: Direct private real estate lender focused on fix-and-flip, rental, and new construction loans. Operates in the same small-balance business-purpose lending category and competes for the same correspondent and borrower channels that Toorak funds.
• Newfi Lending: Non-QM and business-purpose residential mortgage lender offering DSCR, RTL, and stated-income products. Targets the same mid-market private lenders and competes for similar securitization execution.
• Deephaven Mortgage: Non-QM and business-purpose lender active in residential transition, DSCR, and second-lien products. Direct overlap with Toorak's product suite and lender-channel strategy.

Emerging players

• Groundfloor: Real estate debt platform funding residential fix-and-flip loans through a marketplace of individual investors. Adjacent business model and asset class, but smaller scale and a different funding source (retail capital) than Toorak's institutional/structured model.

Broad incumbents

• KKR (Real Estate / Private Credit platform): Toorak's controlling capital provider and the broader sponsor behind its funding lines and securitization. Operates a vast private credit and real estate platform that overlaps with Toorak's markets and could in principle replicate its model internally, making it both a critical partner and a structural risk.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds2 records

Investors1 record

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 Toorak Capital Partners