Genesis Capital

What Genesis Capital does

Genesis Capital is a specialty commercial real estate lender serving residential and multifamily developers across 17+ U.S. states. Founded in 2013 and headquartered in Sherman Oaks, California, the firm operates as a wholly-owned subsidiary of Rithm Capital Corp (NYSE: RITM), providing financing through seven core loan programs: New Construction, Homebuilding/Build-to-Rent (BTR), Fix & Flip, Bridge, Rental Hold, Vacation Rental, and Manufactured Housing Communities (MHC). Since inception, Genesis has originated more than 19,000 loans totaling over $23.5 billion in cumulative volume, supported by an in-house construction and fund control team that manages draw administration and project oversight directly.

The company's origination stack includes the Express Platform, launched in 2023 to streamline approvals and capital deployment for time-sensitive transactions, alongside dedicated MHC and vacation rental product sets that target asset classes traditional banks underserve. Genesis distributes capital through direct origination and, since 2025, through new wholesale and correspondent channels that broaden third-party sourcing without adding balance-sheet exposure. The firm pairs its lending programs with securitization capabilities, evidenced by recognition for SFR Securitization of the Year in 2024 alongside the IMN BTR/Construction Lender of the Year award.

Genesis Capital generates revenue through net interest income, origination fees, and ancillary servicing income on its loan portfolio. The business model relies on repeat-borrower relationships—92% of clients return for additional financing—and on capital allocation from parent Rithm Capital, which manages over $100 billion in assets. Loan pricing averaged roughly 9.5% in the most recent period, down from 10.1% previously, reflecting competitive pressure as originations have scaled rapidly, including a record $1.25 billion in Q2 2025 and $1.6 billion in Q1 2026 (80% year-over-year growth in residential transition lending). The firm was previously owned by Goldman Sachs, which acquired it in 2018 prior to the 2021 sale to Rithm Capital.

Name

Genesis Capital

Legal name

Genesis Capital, LLC

Website

http://www.genesiscapital.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Genesis Capital is a specialty commercial real real estate lender offering construction, bridge, BTR, and rental financing to residential developers across 17+ U.S. states. A wholly-owned Rithm Capital subsidiary, the firm has originated $23.5 billion across 19,000+ loans since 2013.

Ownership category

akta.pro rank

Product category

Specialty Commercial Real Estate Lending

NAICS

Real Estate Credit (522292)

SIC

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

akta.pro primary industry

Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI)

akta.pro secondary industries

Spec/Tract Builder Construction Financing (FSALAHAC), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Residential transitional lending
• Commercial real estate financing
• Construction lending
• Build-to-rent financing
• Bridge loan programs

Headquarters

HQ city

Sherman Oaks

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Residential Transitional Lending (RTL) Origination: Genesis Capital originates short-to-medium-term business purpose loans for residential real estate projects including new construction, fix & flip, bridge, rental hold, vacation rental, and manufactured housing communities. Revenue is generated through origination fees, interest income, and securitization gains on the loan portfolio.
2. Residential Transitional Lending (RTL) Production: Genesis Capital's RTL production reached $1.6 billion in Q1 2026, an 80% year-over-year increase, with origination yields declining to 9.5% from 10.1%. The company executes securitizations to fund and offload loan risk, generating fee income and spread income.
3. Genesis Record RTL Production: Genesis achieved a record $1.25 billion in RTL (run-the-loan) production, indicating strong loan servicing and portfolio management revenue streams on retained loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Genesis Capital originates short-to-medium-term business-purpose loans for residential real estate projects, offering seven loan programs—New Construction, Homebuilding/Build-to-Rent, Fix & Flip, Bridge, Rental Hold, Vacation Rental, and Manufactured Housing Communities—financing single-family, multifamily, and mixed-use projects from acquisition through stabilization. The company has originated over $23.5 billion across 19,000+ loans since 2013, leveraging in-house construction and fund control teams to deliver 3-day draw releases and 10-business-day funding execution.

Product overview

Genesis Capital operates as a diversified residential real estate lending platform offering seven distinct loan programs: New Construction Loans, Homebuilding/BTR (Build-to-Rent) Loans, Fix & Flip Loans, Bridge Loans, Rental Hold Loans, Vacation Rental Loans, and Manufactured Housing Communities (MHC) Loans. The platform provides financing solutions for single family and production homebuilding, multifamily, mixed-use, and rental properties throughout the property lifecycle from acquisition to construction to stabilization. The company has originated over $23.5 billion in total originations since 2013 with a 92% repeat client rate, positioning itself as the preferred capital partner for professional real estate investors.

Differentiator

Problem solved

Functional benefit

Products and services

• New Construction Loans Flexible financing for ground-up development or major renovations, providing project funding at initial stage or mid-construction with construction holdbacks ≥50% of loan amount and initial terms up to 36 months. A One-Time Close option is available. Designed for professional real estate developers of single family, multifamily, and subdivision projects.
• Homebuilding/BTR Loans Flexible financing for every phase of the production homebuilding and build-to-rent lifecycle including acquisition, entitlements, horizontal, vertical, stabilization, and rental hold with a One-Time Close option from construction to bridge. Initial terms of 24-36 months; rental hold up to 10-year terms with full-term interest only; non-recourse options available.
• Fix & Flip Loans Short-term funding for acquisition and renovation of investment properties, bundled with construction holdback less than 50% of loan amount and up to 18-month terms. Designed for fix & flip investors requiring rapid capital deployment and quick draw construction financing.
• Bridge Loans Fast financing for acquisitions or recapitalization loans for finished projects, used for initial purchase or refinance after cash purchase prior to entitlement. No construction is permitted during the loan term.
• Rental Hold Loans Flexible financing for purchase or refinance of SFR, multifamily, and mixed-use rental properties for stabilized or unstabilized properties with terms from 3 to 10 years and full-term interest only available. Fully pre-payable subject to sliding fee structure; one-time close from construction loan.
• Vacation Rental Loans Bridge, renovation, and construction financing for short-term vacation rental properties with 2 or 3-year DSCR loans allowing interest-only payments. Full-term interest only, flexible release provisions, limited early pre-payment fees; requires 2+ years in business or experienced STVR manager.
• Manufactured Housing Communities (MHC) Loans Innovative financing for every phase of the manufactured housing lifecycle including ground-up construction, acquisitions, and value-add strategies with a One-Time Close option from construction to bridge loan. Rental hold up to 10-year fixed-rate terms with full-term interest only.

Quantifiable outcome

• 19,000+ loans originated since 2013 with $23.5 billion in total originations
• +6 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor.

• Seachange PartnersminorStrategic or Co-development Partner · 3 June 2026Berkadia arranged $15.6 million in non-recourse construction financing for two affordable housing developments in Los Angeles on behalf of Seachange Partners. Genesis Capital provided the financing as the capital provider for these inaugural BTR projects by the developer founded in 2024 by former Lowe executives.
• BerkadiaminorChannel Partner/ Reseller/ Distributor · 3 June 2026Berkadia arranged $15.6 million in non-recourse construction financing for two affordable housing developments in Los Angeles on behalf of developer Seachange Partners. Berkadia sourced and structured the deal, with Genesis Capital as the capital provider.
• The H&A GroupminorStrategic or Co-development Partner · 28 May 2026Genesis Capital provided $15.9 million (85% loan-to-cost, 3-year interest-only at SOFR+500bps) to South Bend-based developer The H&A Group for conversion of a vacant assisted living facility in East Peoria, Illinois into a 246-unit multifamily property. Eastern Union arranged the financing.
• Eastern UnionminorChannel Partner/ Reseller/ Distributor · 28 May 2026Eastern Union arranged $15.9 million in acquisition and construction financing for the East Peoria multifamily conversion, sourcing the deal and structuring the financing package provided by Genesis Capital to borrower The H&A Group.
• Trilogy Investment CompanyminorStrategic or Co-development Partner · 8 May 2026Genesis Capital closed a construction loan with Trilogy Investment Company for REV3 at East Hollywood, a 45-unit build-to-rent infill townhome community in Decatur, Georgia, part of Trilogy's build-to-rent opportunity zone fund with Pinnacle Partners.

Scale indicators8 records

Recent moves9 records

Expansion highlights3 records

Direct peers

• Roc Capital: Roc Capital is a direct private lender offering fix & flip, new construction, and rental loans to residential real estate investors. It is a focused RTL competitor to Genesis with overlapping product offerings in construction and bridge financing.
• Kiavi: Kiavi (formerly LendingHome) is a direct peer providing bridge and fix & flip financing to real estate investors, with a strong technology-driven origination platform. It competes with Genesis in the fix & flip and bridge loan segments and shares the same target customer base of professional real estate investors.
• CoreVest Finance: CoreVest Finance (acquired by Redwood Trust in 2020) is a leading direct lender to residential real estate investors, offering fix & flip, bridge, and rental loans. It is one of the closest comparables to Genesis Capital's RTL platform and competes for the same developer and investor customer base.
• Newfi: Newfi is a non-QM and residential transition lender providing fix & flip, bridge, and rental loans to real estate investors. It competes directly with Genesis Capital's bridge, fix & flip, and rental hold programs for similar investor clients.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and residential transition lender offering fix & flip, bridge, and rental loans. It competes directly with Genesis Capital across multiple RTL product categories and shares a similar relationship-based lending model with professional investors.
• Lima One Capital: Lima One Capital is a direct peer in residential transition lending, providing fix & flip, new construction, rental, and multifamily loans to real estate investors. Owned by Lone Star Funds, it competes head-to-head with Genesis Capital across virtually identical loan products and customer segments.
• Anchor Loans: Anchor Loans (acquired by Pretium Partners) is one of the largest fix & flip lenders in the U.S., providing acquisition and renovation financing to residential real estate investors. It is a direct competitor in the fix & flip segment where Genesis Capital is also active.
• A&D Mortgage: A&D Mortgage is a direct competitor in residential transition and non-QM lending, offering fix & flip, DSCR rental, and bridge products. It shares the same target customer base of real estate investors and competes on speed, flexibility, and pricing.

Broad incumbents

• Newrez: Newrez is a sister company to Genesis Capital within Rithm Capital, operating as a broader retail and wholesale mortgage platform. While not a direct RTL peer, it is part of the same parent and shares capital markets infrastructure, technology, and securitization capabilities.
• Rocket Mortgage (Redfin Mortgage / Rocket Pro TPO): Rocket Mortgage is a large incumbent residential mortgage lender with a wholesale and TPO (third-party origination) channel that competes for some of the same developer and investor customers. While primarily a retail/conventional lender, its scale and capital access make it a broad incumbent in adjacent residential lending markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/genesiscapitalllc
• Instagraminstagram.com/genesis_capital_llc
• Xx.com/genesis_capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments6 records

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

Frequently asked questions about Genesis Capital