Lendz Financial

Name

Lendz Financial

Legal name

Reliable Holdings Manager, LLC

Website

https://lendzfinancial.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Wholesale Non-QM Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Non-QM & Specialty Wholesale Lending (Bank Statement/DSCR/Alt-Doc) (FSALACAD)

akta.pro secondary industries

Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Wholesale mortgage lending
• Non-QM loans
• DSCR loans
• Bank statement loans
• Mortgage broker platform

Headquarters

HQ city

Miami

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, Others

Revenue model

1. Wholesale Mortgage Origination: Lendz operates as a wholesale non-QM mortgage lender, generating revenue through loan origination fees, interest rate spreads, and processing fees on closed mortgage loans. Mortgage brokers originate loans using Lendz's programs and the company funds and services the loans.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Lendz Financial is a wholesale non-QM (non-qualified mortgage) lender that originates alternative-documentation residential mortgage loans exclusively through a network of third-party mortgage broker (TPO) partners. The company funds and closes a portfolio of loan programs including DSCR, Bank Statement, P&L Only, WVOE, 1099, Asset Utilization, Foreign National, Seconds, and Standard Doc programs, delivered via a LendingPad-integrated loan origination platform with real-time pricing and digital submission tools.

Product overview

Lendz Financial is a wholesale non-QM (non-qualified mortgage) lender offering a comprehensive suite of loan programs for mortgage brokers. The product portfolio centers on alternative documentation loan programs including DSCR (Debt Service Coverage Ratio) loans for 1-4 and 5-8 unit properties, Bank Statements, P&L Only, 1099 Only, WVOE Only, Asset Utilization, Foreign National, Seconds, and Standard Doc programs. Supporting the loan products are broker-facing tools: Pre-Qual for pre-qualification generation, Easy Submit for streamlined loan submissions, Rapid Fire Pricing for real-time scenario pricing, and Mortgage Calculators (DSCR, Mortgage, Break-Even, Blended Rate, DTI). The platform also includes a My Mortgage customer portal for payment processing and draw requests. All products are accessed through the wholesale channel via the LendingPad Loan Origination System (LOS) integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Standard Doc Loan Program
• Bank Statements Loan Program
• P&L Only Loan Program
• WVOE Only Loan Program
• 1099 Only Loan Program
• Asset Utilization Loan Program
• Closed-End Second (Seconds) Loan Program
• DSCR Loan Program (1-4 Unit Residential)
• DSCR Loan Program (5-8 Unit / Mixed-Use)
• Foreign National Loan Program

Quantifiable outcome

• 24-hour underwriting decisions
• +2 more outcomes

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• LendingPadcoreTechnology or Integration · 23 February 2023Wholesale mortgage loan origination system (LOS) integration. LendingPad provides the technology platform enabling brokers to submit loans, process applications, and manage the lending workflow. The partnership aims to simplify and modernize broker lending processes through advanced technology, eliminating inefficiencies and providing user-friendly solutions with multilingual, US-based support.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Angel Oak Mortgage Solutions: Wholesale non-QM mortgage lender offering bank statement, DSCR, and alternative-documentation programs to mortgage brokers nationally. Closely comparable in product mix, TPO distribution model, and target borrower profiles.
• Newfi: Tech-enabled wholesale non-QM lender focused on self-employed, investor, and foreign national borrowers. Competes head-to-head with Lendz on broker channel, alternative-documentation programs, and speed of underwriting.
• Deephaven Mortgage: Non-QM wholesale and correspondent lender with strong DSCR and investor-property programs. Comparable in serving the same TPO broker base and self-employed/investor borrower segments.
• A&D Mortgage: Wholesale and retail non-QM lender with deep alternative-documentation program menu (bank statement, DSCR, foreign national). Direct competitor in broker channel and product breadth.
• Athas Capital Group: Non-QM wholesale lender specializing in DSCR, bank statement, and foreign national loans to brokers nationwide. Closely overlaps Lendz's core product mix and broker-first distribution.
• Lima One Capital: Specialist in DSCR and rental-investment property financing distributed through broker and direct channels. Strong overlap with Lendz's DSCR 1-4 and 5-8 unit programs and investor-borrower focus.
• Kiavi: Technology-driven real estate lender serving investors and non-traditional borrowers with bridge and DSCR products. Comparable in tech-enabled underwriting and investor-borrower focus, though with more direct-to-consumer and bridge-loan emphasis.

Broad incumbents

• Verus Mortgage Capital: Non-QM and structured-credit mortgage platform operating at significantly larger scale with capital-markets capabilities. Competes for broker-submitted non-QM production but is more diversified across securitization and whole-loan channels.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC_MrOwsFEBkBKE-2i3diuRw
• Facebookfacebook.com/lendzfinancial
• LinkedInlinkedin.com/company/lendz-financial
• Instagraminstagram.com/lendzfinancial

Compliance14 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Lendz Financial