Yieldi

What Yieldi does

Yieldi is a private online marketplace and direct bridge lender that connects accredited individual investors with real estate borrowers and hard money loan brokers. Founded in 2019 in Atlanta by third-generation real estate developer Joseph Ashkouti and third-generation lender and software entrepreneur Joshua Lloyd, the company originates, underwrites, and services asset-based loans ranging from $350,000 to $50,000,000, secured by first-position liens at conservative 50-70% loan-to-value ratios across more than 35 U.S. states.

The platform's core investment product is the BPDN (Borrower Payment Dependent Notes) structure, which packages originated loans as securities under Rule 506(c) of Regulation D for accredited investors, with minimums of $25,000 per offering, $50,000 account opening, and 8-10% target annualized returns paid monthly. The lending side covers 16+ loan products spanning residential (bridge, fix-and-flip, RTL, new construction, rental) and commercial (multi-family, retail, industrial, hospitality, self-storage, build-to-suit, entitled land, A&D) categories, plus specialty products such as cannabis lending, transactional lending, and note purchasing. Underlying technology comprises an in-house loan origination and servicing system powered by Mortgage Automator, Plaid-based KYC/AML onboarding with Google and LinkedIn social login, Lightning Docs for state-specific documentation, Bowery Valuation for appraisals, and an investor portal providing real-time balances, allocations, and payment schedules.

Yieldi generates revenue through three streams: 2-2.5% annual management fees on investor assets (subscription recurring), approximately 2% origination fees plus ~1% exit fees on borrower loans (transaction fee), and ancillary servicing and processing fees. Distribution combines a self-serve investor platform, direct borrower origination, a broker network program with commission-protected deals and sub-hour response times, and channel partnerships with four SDIRA custodians (Directed IRA, Preferred Trust, Alto, Advanta). The company remains privately held by its co-founders with no disclosed institutional capital, and co-invests founder capital alongside platform investors on every deal.

Name

Yieldi

Legal name

Yieldi, LLC

Website

https://yieldi.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Yieldi is an Atlanta-based private online marketplace and direct bridge lender connecting accredited investors with real estate borrowers, offering 8-10% target returns backed by first-position liens across 35+ U.S. states.

Ownership category

akta.pro rank

Product category

Private Real Estate Bridge Lending

NAICS

Portfolio Management and Investment Advice (523940), Other Financial Investment Activities (5239), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSANADAA

Senior Secured Direct Lending

Financial & Insurance/Private Equity & Venture Capital/Private Credit / Direct Lending Funds

Keywords

• Bridge lending
• Hard money loans
• Real estate debt
• Private lending
• Investor platform

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Investor Management Fees: Yieldi collects an average of 2-2.5% management fee annually from investors on all offerings. These fees are disclosed on individual offering pages and are net of displayed target returns.
2. Borrower Origination Fees: Yieldi collects approximately 2% origination fee from borrowers at loan closing. Additionally, exit fees averaging 1% may apply, particularly on fix-and-flip loans.
3. Servicing and Processing Fees: Late fees, bank fees, and other processing fees collected during loan servicing are retained by Yieldi.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Yieldi is a nationwide private bridge lender that originates first-position, asset-based real estate loans ($350K–$50M, typically 12-month interest-only) and packages them as Borrower Payment Dependent Notes (BPDNs) sold to accredited investors through an online portal. The company serves three distinct audiences in one platform: investors seeking 8–10% annualized monthly returns, real estate borrowers needing fast short-term capital, and licensed brokers submitting deals under commission-protected terms.

Product overview

Yieldi is a nationwide bridge lender and real estate investment platform that operates as a unified platform connecting accredited investors, real estate borrowers, and hard money brokers. The core product is the BPDN (Borrower Payment Dependent Notes) investment platform, through which investors earn 8-10% annualized returns secured by first-position liens on real estate. On the lending side, Yieldi offers a comprehensive suite of over 16 hard money loan products spanning residential (bridge, fix-and-flip, RTL, new construction, rental property) and commercial (multi-family, retail, industrial, hospitality, self-storage, build-to-suit, entitled land, A&D) categories, plus specialty products including transactional lending, cannabis lending, and loan note purchasing. Additional modules include a Self-Directed IRA (SDIRA) investment option, a Hard Money Broker Program, and an Investor Portal for account management. All loan types are structured as 12-month, interest-only bridge loans ranging from $350K to $50M, funded across more than 35 states.

Differentiator

Problem solved

Functional benefit

Products and services

• BPDN (Borrower Payment Dependent Notes) Investment Platform Yieldi's primary investment platform enabling accredited investors to participate in real estate-backed loans structured as Borrower Payment Dependent Notes, offering 8–10% target annualized returns with fixed monthly interest payments and first-position lien protection.
• Bridge Loans Short-term, interest-only loans for acquiring, refinancing, or repositioning residential or commercial assets, designed for time-sensitive deals with flexible terms.
• Residential Fix & Flip Loans Hard money loans for real estate investors to purchase, renovate, and sell residential properties; targeted at fix-and-flip investors seeking short-term capital.
• Residential RTL (Residential to Lease) Loans Loans for residential properties intended for rental income, designed for investors focused on long-term cash flow and future refinancing.
• New Construction Loans Financing for ground-up residential construction projects, from entitled lots to near-complete builds, supporting builders with quick capital deployment.
• Rental Property Hard Money Loans Capital for acquiring or refinancing single-family or small multi-family rental properties, geared toward investors focused on long-term cash flow.
• Multi-Family Hard Money Loans Financing for duplexes to large apartment communities, ideal for stabilized or value-add properties with a clear path to cash flow or exit.
• Retail Hard Money Loans Short-term capital for neighborhood centers, strip malls, and mixed-use commercial spaces, supporting acquisition and refinancing for tenant-driven real estate.
• Industrial Hard Money Loans Bridge loans for warehouses, distribution centers, or flex spaces, funding well-located assets with clear business plans and strong exit strategies.
• Hospitality Hard Money Loans Financing for boutique hotels, flagged properties, or conversion plays with experienced operators and proven demand drivers.
• Self-Storage Hard Money Loans Capital for stabilized or underperforming self-storage assets, targeting strong NOI and clear market demand for lending conditions.
• Build to Suit Hard Money Loans Bridge financing for new development projects tailored to pre-committed tenants, funding shovel-ready or near-complete opportunities with strong tenant backing.
• Entitled Land Hard Money Loans Lending on entitled land with defined zoning and a viable path to development, supporting future residential, commercial, or mixed-use projects.
• Acquisition & Development (A&D) Hard Money Loans Financing for acquiring land and preparing it for vertical construction, ideal for developers with a phased buildout or resale plan.
• Transactional Lending Same-day capital for double closings or fast acquisitions, designed for wholesalers and investors needing gap funding between buy and sell transactions.
• Secure Business Advances Fast, asset-backed cash advances for businesses with real estate holdings; secured by collateral with better terms and faster funding than traditional merchant cash advances.
• Cannabis Hard Money Loans Lending on cannabis-use commercial properties in compliant markets, underwritten based on real estate value rather than business operations.
• Hard Money Loan Note Purchasing Acquisition of performing or non-performing real estate-backed notes, enabling investors to exit positions or offload distressed assets with quick closing.
• Self-Directed IRA (SDIRA) Investment Option Allows investors to use their Self-Directed IRA (Traditional, Roth, SEP, SIMPLE, or Rollover) to invest in Yieldi real estate-backed loans, offering tax-deferred or tax-free passive income.
• Hard Money Broker Program Yieldi's broker network enabling licensed mortgage brokers to submit real estate deals, with commission-protected terms in writing, sub-hour responses, and commission paid at closing.

Quantifiable outcome

• 8-10% annualized returns for investors
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core and supporting.

• Mortgage AutomatorcoreTechnology or IntegrationProvides comprehensive loan origination and servicing software that streamlines loan officer assignments, fast LOI issuance, in-house loan servicing with automated payment collections and tax tracking, and investor relations tools with detailed accounting reports.
• Fortra Law FirmcoreImplementation/ SI/ Consulting PartnerNation's largest law firm dedicated to private/non-conventional lending space with Banking & Finance, Corporate & Securities, and Litigation & Bankruptcy departments offering vertically integrated legal services for specialty lenders.
• Bowery ValuationcoreTechnology or IntegrationProvides appraisal technology combining powerful tech platform with best-in-class field appraisers, continuously adding new features for property valuation in real estate lending.
• Lightning DocscoreTechnology or IntegrationLoan documentation software automating document generation for all 50 states, originally developed by Geraci LLP to streamline private lending documentation processes.
• PlaidcoreTechnology or IntegrationSecure identity verification platform enabling bank account verification, account ownership confirmation, and KYC/AML compliance for investor onboarding and account setup.
• NVMSsupportingTechnology or IntegrationLeading national vendor management company providing inspection and preservation services for residential and commercial lending, valuation, banking, insurance and asset management.
• National Private Lenders Association (NPLA)supportingGTM or Marketing PartnerIndustry association connecting capital providers, lenders, investors, brokers, and service providers. Hosts largest private lending conference in the country.
• American Association of Private Lenders (AAPL)supportingGTM or Marketing PartnerPremier private lending industry association hosting annual conference with expert speakers, panel discussions, and workshops on real estate investment, legal compliance, and financing solutions.
• Directed IRAcoreChannel Partner/ Reseller/ DistributorSelf-directed IRA custodian enabling investors to use retirement funds for real estate debt investments through Yieldi platform with tax-advantaged structure.
• Preferred Trust CompanycoreChannel Partner/ Reseller/ DistributorSDIRA custodian partner enabling tax-deferred or tax-free investments in real estate-backed loans through self-directed retirement accounts.
• Alto IRAcoreChannel Partner/ Reseller/ DistributorAlternative investment IRA platform allowing investors to access Yieldi's real estate debt offerings within tax-advantaged retirement accounts.
• Advanta IRAsupportingChannel Partner/ Reseller/ DistributorSDIRA custodian providing self-directed retirement account options for investing in Yieldi's private lending opportunities.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PeerStreet: PeerStreet operates a real estate debt marketplace connecting accredited investors with short-duration, asset-backed loans originated by private lenders — directly comparable to Yieldi's BPDN platform in structure, investor base, and asset class.
• Kiavi: Kiavi (formerly LendingHome) is a tech-enabled bridge and fix-and-flip lender offering capital to real estate investors with an institutional underwriting framework, directly overlapping Yieldi's core lending business.
• Fund That Flip: Fund That Flip is a real estate crowdfunding platform focused on fix-and-flip and new construction loans for accredited investors, competing head-to-head with Yieldi's BPDN bridge loan offerings.
• Groundfloor: Groundfloor is a real estate debt crowdfunding platform offering fractional participation in short-term fix-and-flip and rental loans to individual (not just accredited) investors, competing with Yieldi for the same underlying hard money loan product.
• RealtyMogul: RealtyMogul operates a real estate investment platform offering both debt and equity products to accredited investors, including commercial bridge loans that overlap with Yieldi's BPDN offering structure.
• EquityMultiple: EquityMultiple is a real estate investment platform offering accredited investors access to debt and equity deals, including commercial bridge loans, with comparable SDIRA support and similar minimum-investment structures.
• RCN Capital: RCN Capital is a nationwide private / hard money lender offering bridge, fix-and-flip, and rental loans to real estate investors — directly comparable to Yieldi on loan product mix, geography, and borrower profile.

Emerging players

• Roofstock: Roofstock is an online marketplace for single-family rental investment, with adjacent lending and SDIRA capabilities that target a similar accredited-investor demographic pursuing real estate-backed passive income.
• AcreTrader: AcreTrader is an online platform providing accredited investors with access to farmland and real estate debt investments; while focused on farmland equity, its investor-acquisition model and SDIRA integrations overlap with Yieldi's distribution approach.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and bridge loan lender operating at significantly greater scale than Yieldi, providing a broader portfolio of non-aggressive lending products that partially overlaps with Yieldi's bridge and rental offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/yieldi4
• Facebookfacebook.com/Yieldi-107267180649836
• LinkedInlinkedin.com/company/yieldillc
• Instagraminstagram.com/yieldi_

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds1 record

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 Yieldi