Alpha Tech Lending
Alpha Tech Lending is a U.S. private money lender offering six loan programs — Fix & Flip, New Construction, DSCR rental, Bridge, and True No Doc — to real estate investors across 40+ states, distributed through a 5,000+ broker partner network and direct sales.
- Company typePrivate
- Founded1999
- HeadquartersWest Hempstead, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Alpha Tech Lending does
Alpha Tech Lending is a U.S. private money lender headquartered in New York, NY, with a secondary office in Boca Raton, FL. Founded approximately in 1999, the company originates short-term and non-conforming real estate loans for individual and professional investors across 40+ states. It operates exclusively in the residential non-owner-occupied segment and holds licenses or licensing exemptions in the states where it lends.
The company's core product portfolio spans six loan programs: Fix & Flip Financing for distressed property renovation, New Construction Loans for ground-up development with builder-friendly draw schedules, DSCR 1-4 and DSCR 5+ Rental Loans (the latter up to $5 million) that qualify borrowers on property cash flow rather than personal income, Bridge Loans for transitional financing, and True No Doc Loans based solely on collateral value with no FICO, DTI, or DSCR requirements. Operationally, Alpha Tech runs an in-house underwriting, draw administration, inspection, and servicing model, with a 24-hour approval target and 7-day closing timeline. A notable product feature is non-Dutch interest calculation on construction and fix & flip loans, where interest accrues only on disbursed portions of the holdback rather than the full facility amount, reducing borrower carrying costs.
Alpha Tech distributes loans through three primary channels: a Registered Broker Partner Program (5,000+ brokers nationwide), direct sales via Senior Account Executives, and a self-serve online quick pre-approval form. Revenue is generated primarily through net interest income on originated loans and broker referral compensation. The company is privately held and founder-led, with no disclosed institutional backing, and leadership comprises CEO Fred Assini and President Jason A. Napolitano. The firm emphasizes its 25+ year track record, 50-70% repeat business rate, and presence in industry associations including the American Association of Private Lenders and National Private Lenders Association.
Alpha Tech Lending firmographics
Firmographics- Name
- Alpha Tech Lending
- Legal name
- Alpha Tech Lending
- Website
- https://alphatechlending.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Alpha Tech Lending is a U.S. private money lender offering six loan programs — Fix & Flip, New Construction, DSCR rental, Bridge, and True No Doc — to real estate investors across 40+ states, distributed through a 5,000+ broker partner network and direct sales.
- Ownership category
- akta.pro rank
Alpha Tech Lending industry classification
Industry- Product category
- Private Money Lending for Real Estate Investors
- NAICS
- Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Alpha Tech Lending is headquartered
LocationHeadquarters
- HQ city
- West Hempstead
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Alpha Tech Lending business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Private Money Lending Interest Income: Alpha Tech Lending generates revenue through interest charged on private money loans for real estate investments including fix & flip, new construction, DSCR rental, bridge, and true no doc loans. Interest rates vary based on loan product, deal structure, property state, and borrower qualifications.
- Broker Partner Program Fees: Revenue generated through broker referral fees and compensation structure for registered broker partners who refer borrowers for loan products including Fix & Flip and Rental financing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Loan pricing varies by product type and borrower qualification |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels10 records
Alpha Tech Lending product offering
Product offeringCore offering
Alpha Tech Lending is a nationwide direct private money lender providing short-term and rental real estate investment loans to investors, brokers, and builders. Its portfolio of six loan programs—Fix & Flip, New Construction, DSCR 1-4 Rental, DSCR 5+ / Mixed-Use / Commercial, Bridge, and True No Doc—funds non-owner-occupied residential and commercial investment properties in 40+ states with 24-hour approval and closing in seven days or less, all underwritten and serviced in-house.
Product overview
Alpha Tech Lending is a nationwide private money lender offering a portfolio of six distinct loan programs for real estate investors: Fix & Flip Financing for renovation projects, New Construction Loans for ground-up development, DSCR 1-4 Rental Loans and DSCR 5+ Rental Loans for buy-and-hold investors (qualifying based on property cash flow rather than borrower income), Bridge Loans for short-term transitional financing, and True No Doc Loans for borrowers seeking financing based purely on property collateral value. The company operates as a direct private lender with in-house underwriting, approval, and servicing, targeting real estate investors, brokers, and builder partners across 40+ states.
Differentiator
Problem solved
Functional benefit
Products and services
- Fix & Flip Financing Short-term private money loans for real estate investors to purchase distressed properties, renovate them, and resell for profit. Designed to provide fast funding for time-sensitive fix and flip opportunities, with 24-hour approval and closing in seven days or less.
- New Construction Loans
- DSCR 1-4 Rental Loans
- DSCR 5+ / Mixed-Use / Commercial Rental Loans
- Bridge Loans
- True No Doc Loan
- Registered Broker Partner Program
Quantifiable outcome
- Approval in 24 hours, close in 7 days or less
- +3 more outcomes
Companies that use Alpha Tech Lending
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles2 records
Alpha Tech Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Alpha Tech Lending partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor.
- American Association of Private LendersminorAlpha Tech Lending is a proud member of the American Association of Private Lenders, an industry organization supporting private lending professionals.
- National Private Lenders AssociationminorAlpha Tech Lending holds membership in the National Private Lenders Association, providing industry networking and advocacy.
- Scotsman GuideminorAlpha Tech Lending is featured in Scotsman Guide, a leading resource for mortgage professionals.
- ForbesminorAlpha Tech Lending has been featured in Forbes media coverage.
- EntrepreneurminorAlpha Tech Lending has been featured in Entrepreneur media coverage.
- BiggerPocketsminorAlpha Tech Lending has been featured on BiggerPockets, a leading real estate investing media platform.
- Think RealtyminorAlpha Tech Lending has been featured in Think Realty media coverage.
- Long Island Board of RealtorsminorAlpha Tech Lending has membership/affiliation with Long Island Board of Realtors for industry networking.
- Connected InvestorsminorAlpha Tech Lending has been featured in Connected Investors media coverage.
- NariminorAlpha Tech Lending holds membership with Nari, a national association representing real estate investors and professionals.
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
Alpha Tech Lending competitors and assessment
Company assessmentDirect peers
- Kiavi: Kiavi is one of the largest private real estate lenders in the U.S., originating fix-and-flip, new construction, and rental bridge loans directly to investors. Highly comparable to Alpha Tech Lending on product set, customer segment, and direct-lender business model.
- LendingHome: LendingHome is a tech-enabled direct lender for fix-and-flip and rental loans targeting real estate investors. Directly comparable on customer base (investors), product mix (fix-and-flip, rental, bridge), and emphasis on speed of closing.
- Lima One Capital: Lima One Capital specializes in fix-and-flip, new construction, and rental (DSCR) loans for real estate investors, operating a direct-lender model similar to Alpha Tech Lending. Strong product overlap and comparable customer profile.
- RCN Capital: RCN Capital is a nationwide private lender offering fix-and-flip, new construction, and rental loans to real estate investors. Direct competitor on product mix, customer segment, and broker/wholesale distribution model.
- Anchor Loans: Anchor Loans is one of the largest fix-and-flip lenders in the U.S., providing short-term financing to real estate investors. Highly comparable on product focus, customer base, and direct-lender origination model.
- CoreVest Finance: CoreVest (a Redfin company) originates fix-and-flip, single-family rental, and small-balance multifamily loans to investors. Directly comparable on DSCR/rental loan products and investor customer segment.
- Visio Financial Services: Visio Financial is a nationwide private lender providing fix-and-flip, rental, and new construction loans to real estate investors. Comparable on product set, target customer, and broker channel distribution.
Emerging players
- Groundfloor: Groundfloor is a real estate investment and lending platform offering short-term fix-and-flip loans to investors via a crowdfunding model. Comparable product focus on fix-and-flip borrowers, though distribution and funding model differ.
- Newfi Wholesale: Newfi is a non-QM and DSCR wholesale lender focused on real estate investors, distributing primarily through a broker channel similar to Alpha Tech Lending's partner program. Comparable on DSCR/non-QM focus and broker-led distribution.
Broad incumbents
- Angel Oak Mortgage Solutions: Angel Oak is an established non-QM and DSCR lender with broader product portfolio and institutional backing. Comparable on non-QM/DSCR rental loan focus, though larger scale and more diversified offerings than Alpha Tech.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Alpha Tech Lending social profiles
Digital presenceAlpha Tech Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Alpha Tech Lending leadership team
Management profileNumber of profiles
Profiles4 records
Alpha Tech Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Alpha Tech Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Alpha Tech Lending
What does Alpha Tech Lending do?
Alpha Tech Lending is a nationwide direct private money lender providing short-term and rental real estate investment loans to investors, brokers, and builders. Its portfolio of six loan programs—Fix & Flip, New Construction, DSCR 1-4 Rental, DSCR 5+ / Mixed-Use / Commercial, Bridge, and True No Doc—funds non-owner-occupied residential and commercial investment properties in 40+ states with 24-hour approval and closing in seven days or less, all underwritten and serviced in-house.
Is Alpha Tech Lending a public or private company?
Alpha Tech Lending is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Alpha Tech Lending founded?
Alpha Tech Lending was founded in 1999. It employs 11 to 50 people.
Where is Alpha Tech Lending based?
Alpha Tech Lending is headquartered in West Hempstead, United States, in the North America region.
How does Alpha Tech Lending make money?
Two revenue lines are on record. Private Money Lending Interest Income is the primary driver. The others are broker Partner Program Fees.
Who are Alpha Tech Lending's main competitors?
Direct peers on record are Kiavi, LendingHome, Lima One Capital, RCN Capital, Anchor Loans, CoreVest Finance and Visio Financial Services. Emerging players are Groundfloor and Newfi Wholesale. Angel Oak Mortgage Solutions is listed as a broad incumbent.
Does Alpha Tech Lending have an API?
No public API is recorded for Alpha Tech Lending.
What industry is Alpha Tech Lending in?
Alpha Tech Lending's product category is Private Money Lending for Real Estate Investors. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6162.