What Capitalize does

Capitalize (legal entity: ROAM Technologies, Inc., incorporated in Delaware) is an AI-powered commercial real estate (CRE) data and deal-sourcing platform that aggregates a nationwide database of 100K+ lenders, 12M+ mortgages, 650K+ lender contacts, and 2M+ sponsors to connect CRE brokers, capital markets lenders, and investors. The company was founded by Luke Morris, co-founder of Crexi, and is headquartered in Newport Beach, California. Its core product is a web platform offering free nationwide search of lenders and loan comps, AI-powered Smart Loan Matching that connects borrowers with relevant lenders in seconds, a Distress Signals Dashboard tracking pre-foreclosures and lis pendens, bulk export and outreach tooling for up to 10,000 records, customizable real-time market alerts, and quarterly market intelligence reports. Capitalize positions itself as deploying the first AI agents specifically designed for CRE broker-lender deal sourcing.

The underlying technology combines structured CRE data aggregation with AI-driven matching, anomaly/distress detection, and what the company describes as autonomous agents for deal sourcing. Notable technical components include the Smart Loan Matching recommendation engine, the Distress Signals Dashboard for pre-foreclosure and lis pendens tracking, bulk export pipelines, customizable email outreach templates, custom folders with drag-and-drop organization, and side-by-side loan comparison tools. Data scale claims (12M+ mortgages, 100K+ lenders, 500K+ transactions in the Q1 2026 trends report) form the substrate for these AI features and the basis for a potential data flywheel as more lenders and brokers join the platform.

Capitalize operates a hybrid SaaS business model with a freemium entry point and two paid tiers: a Solo Plan at $399/month targeting individual CRE professionals (up to 600 borrower downloads per month, nationwide access to lenders and loan comps, unlimited lender contact downloads, real-time alerts, 24-hour support) and a Teams Plan starting at $149/month per seat with team-based discounts up to 50%, unlimited exports, broker-branded white-label, free admin accounts, and a dedicated support manager. Enterprise pricing for larger teams is negotiated via email through [email protected]. Distribution combines self-serve product-led growth with enterprise field sales ("Schedule a Demo" routed through HubSpot), earned media in major CRE and business outlets (The Real Deal, Business Insider, Associated Press, GlobeSt, MarketWatch, Yahoo Finance, Benzinga), and a separate "Join Our Network" portal that enables lenders to onboard and host loan programs and rate sheets, creating a B2B2B distribution channel. The company is a member of the Mortgage Bankers Association and has raised seed funding (announced July 21, 2025) along with a prior $4M financing round from FJ Labs, Lerer Hippeau, Sway Ventures, and Treasury.

Name

Capitalize

Legal name

ROAM Technologies, Inc.

Website

https://capitalizeus.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Capitalize is an AI-powered commercial real estate data platform that aggregates 100K+ lenders, 12M+ mortgages, and 650K+ lender contacts to help CRE brokers, capital markets lenders, and investors source deals, match borrowers to lenders, and track distress signals.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Data & Analytics

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

Keywords

• Commercial real estate data
• CRE lender marketplace
• Loan comp database
• AI deal sourcing
• CRE debt platform

Headquarters

HQ city

California

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

Revenue model

1. Subscription - Solo Plan: Monthly subscription at $399 per month targeting individual professionals. Includes up to 600 borrower downloads/month per seat, nationwide access to 60K+ lenders, unlimited lender contact downloads, access to 10M+ loan comps, real-time market alerts, loan comparisons, unlimited saved searches, and 24-hour support. This is the primary self-serve revenue stream for individual CRE professionals seeking competitive advantage in deal sourcing.
2. Subscription - Teams Plan: Per-seat subscription starting at $149/month (per seat) with team-based discounts up to 50% off. Targets elite teams with unlimited exports, broker branded white-label, free admin account, and dedicated support manager. Revenue scales with team size. Enterprise pricing negotiated via email inquiry for custom Order Forms.
3. Freemium / Lead Generation: Free tier allows nationwide search of lenders and loan comps, providing lead generation value while converting high-value users to paid subscriptions. Users can access basic contact information and market insights at no cost, with premium features gated behind paid tiers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Capitalize operates an AI-powered commercial real estate data platform that aggregates nationwide lender, mortgage, and sponsor information — covering 100K+ lenders, 12M+ mortgages, 650K+ lender contacts, and 2M+ sponsors — to help CRE brokers, lenders, and investors source deals. The platform uses AI agents and a Smart Loan Matching engine to connect borrowers with the most relevant lenders in seconds, and includes tools for distress signal tracking, bulk outreach, real-time market alerts, and portfolio organization.

Product overview

Capitalize is an AI-powered commercial real estate data platform structured around a core platform with two subscription tiers (Solo and Teams). The platform integrates AI-powered Smart Loan Matching for connecting borrowers with lenders, a Distress Signals Dashboard for tracking pre-foreclosures and lis pendens, Bulk Export & Outreach tools, Market Intelligence reporting, and Folders & Organization tools. The Solo Plan ($399/month) targets individual professionals, while the Teams Plan (starting at $149/month per seat) serves teams with collaborative features including white-label branding and unlimited exports.

Differentiator

Problem solved

Functional benefit

Products and services

• Capitalize Platform AI-powered commercial real estate data platform for CRE brokers, lenders, and investors that aggregates 100K+ lenders, 12M+ mortgages, 650K+ lender contacts, and 2M+ sponsors. Provides AI agents, Smart Loan Matching, distress signal tracking, bulk outreach tools, real-time alerts, and portfolio organization. Delivered as a web SaaS product with a Solo subscription ($399/month) and a Teams subscription (from $149/month per seat).

Quantifiable outcome

• Find new borrower leads through nationwide loan record searches to close more deals
• +3 more outcomes

Named customers14 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• Mortgage Bankers Association (MBA)minorOthers · 1 January 2024Capitalize is a proud member of the Mortgage Bankers Association. MBA membership provides industry credibility, networking opportunities with member lenders and brokers, and access to industry events and standards.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Reonomy: CRE property and ownership data platform serving brokers, lenders, and investors with deep contact and transaction datasets. Directly comparable as a CRE intelligence platform used by the same broker-lender-investor personas that Capitalize targets for deal sourcing.
• Cherre: CRE data and analytics platform that aggregates property, loan, and market data for institutional investors and lenders. Comparable as a centralized CRE data layer with AI-driven insights for capital markets decision-making.
• Crexi: Commercial real estate marketplace and data platform founded by Luke Morris before Capitalize. Highly comparable: same founder DNA, overlapping CRE broker and lender audience, and converging product surface (property listings plus loan/lender data). Capitalize is effectively a vertical extension of the Crexi thesis into the debt side of the market.

Others

• Northmarq: Large CRE capital markets intermediary and mortgage brokerage firm. Listed as a Capitalize customer; comparable as a customer archetype and as a potential partner/distributor, but is itself a CRE services firm rather than a data platform.

Broad incumbents

• LightBox: CRE data and workflow platform serving brokers, lenders, and appraisers with property, environmental, and loan data. Overlaps with Capitalize's lender network and loan intelligence value proposition, especially around due diligence and transaction workflows.
• Argus (Altus Group): CRE valuation, cash flow modeling, and market intelligence platform widely used by lenders and investors. Comparable at the data-and-analytics layer for CRE capital markets decisions, particularly loan underwriting and portfolio analysis.
• RealPage: Large-scale real estate software and data platform serving multifamily and commercial operators, lenders, and investors. Comparable as a broad data-and-software incumbent in adjacent CRE verticals, with potential to extend into CRE debt intelligence.
• CoStar: Largest commercial real estate data and analytics incumbent, with extensive CRE loan, ownership, and lease datasets across the U.S. Overlaps with Capitalize's lender and loan comp intelligence use cases, but at vastly broader scope and price points.

Emerging players

• Apto: CRM and deal pipeline platform purpose-built for commercial real estate brokers. Comparable as workflow and intelligence tooling for the same broker persona Capitalize serves, though focused on pipeline management rather than lender-borrower matching.
• Lev (formerly Level CRE): Commercial real estate CRM and prospecting tool for brokers. Comparable to Capitalize at the broker workflow layer, with overlapping prospecting and lender-network use cases but a different primary product surface.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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