What ZINC does

ZINC Financial is a Fresno, California-based private money lender operating since 2004 (with one source citing 2007) and led by founder and CEO Todd Pigott. The company extends short-term, business-purpose real estate loans directly from its own balance sheet, which is capitalized by the proprietary ZINC Income Mortgage Fund. Its loan portfolio spans five programs covering the real estate investment lifecycle: Fix N Flip, Business Purpose Bridge, Home Transition Bridge, DSCR (rental), and Ground Up construction. Across these products the company reports more than $1 Billion in cumulative lending volume, 450+ in-house fix-and-flip projects completed, 200+ wholesale transactions facilitated, and 100+ rental properties owned and completed over a 20-year operating history.

The operational stack is built on the LiquidLogics loan management platform, which powers loan origination, term sheet generation, the borrower portal, and servicing functions including draw requests, payoff processing, and reconveyance. Layered on top of the core lending product are auxiliary borrower-facing services: a Deal Profit Analyzer, a CMA comparative market analysis tool, an instant Pre-Approval Letter, and the ZINC 1.25% Listing service offering borrowers a reduced listing commission. Distribution is multi-channel: a dedicated loan origination phone line for direct sales, self-service through the LiquidLogics borrower portal, the ZINC Marketplace platform for guaranteed funding and property listings, and a structured Partner Stack referral network with five partner categories (Refer-a-Friend, Wholesalers, Brokers, Real Estate Agents, Influencers).

ZINC generates revenue primarily through interest income on private money loans, supplemented by origination and servicing fees, listing commissions from the 1.25% listing service, and pre-approval letter fees. Fund investors participate via the ZINC Income Mortgage Fund, which provides the stable capital base that allows the company to function as a balance-sheet lender independent of warehouse financing or third-party capital partners. Geographically the firm serves California statewide with local market concentration across an 11-county ZINC Community region, and it invests in community engagement through Meet Ups, an REI On Tap summer series, and Property Tours to reinforce its relationship-driven distribution model.

Name

ZINC

Legal name

ZINC Financial

Website

https://zinc.net

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

ZINC Financial is a Fresno-based private money lender that originates balance-sheet-funded real estate loans (fix-and-flip, bridge, DSCR rental, ground-up construction) for California real estate investors, backed by its proprietary ZINC Income Mortgage Fund and supported by an integrated borrower portal, marketplace, and partner referral network.

Ownership category

akta.pro rank

Product category

Private Money Real Estate Lending

NAICS

Real Estate Credit (522292), Other Financial Vehicles (52599)

SIC

Mortgage Bankers & Loan Correspondents (6162), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industries

Private Credit — Real Estate Debt (Bridge, Mezz, CMBS-like) (FSAHAJAI), Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Private money lending
• Fix and flip loans
• Real estate bridge loans
• DSCR rental financing
• Construction lending

Headquarters

HQ city

Fresno

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. Private Money Lending Interest: As a balance-sheet lender backed by its own mortgage fund, ZINC generates revenue primarily through interest income on private money loans extended to real estate investors. Loan programs include Fix and Flip, Business Purpose Bridge, Home Transition Bridge, DSCR, and Ground Up construction loans.
2. Loan Servicing Fees: Ongoing servicing fees from managing loans post-origination, including draw requests, payoff processing, and reconveyance services.
3. ZINC 1.25% Listing Commission: Real estate listing services with 1.25% commission structure for properties being sold by borrowers.
4. Pre-approval Letter Processing: Fee-based pre-approval letter service for borrowers requiring financing verification.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

ZINC Financial is a balance-sheet private money lender that funds short-term and mid-term real estate investment loans — Fix N Flip, Business Purpose Bridge, Home Transition Bridge, DSCR Rental, and Ground Up construction — using capital from its proprietary ZINC Income Mortgage Fund. It serves California real estate investors through direct origination, a LiquidLogics-powered self-service borrower portal, and a Partner Stack referral network, complemented by the ZINC Marketplace (guaranteed funding and property listings) and a reduced 1.25% listing service.

Product overview

ZINC Financial operates as a private money lender and balance-sheet lender offering a comprehensive suite of real estate investment financing solutions. The product portfolio includes six distinct loan programs (Fix N Flip, Business Purpose Bridge, Home Transition Bridge, DSCR Rental, Ground Up Construction) serving various investor strategies from fix-and-flip to long-term rental and new development. The platform includes borrower-facing tools (Pre-Approval Letter, Deal Profit Analyzer, CMA, Term Sheet Generator, Servicing) integrated through LiquidLogics for loan management. ZINC also operates the ZINC Income Mortgage Fund enabling investors to participate in lending returns, the ZINC Marketplace for guaranteed funding and property listings, and the Partner Stack network for wholesaler, broker, RE agent, and influencer referrals. The ZINC 1.25% Listing service provides discounted real estate transaction support. This constitutes a unified lending ecosystem combining loan origination, servicing, investor funding, marketplace transactions, and partner referral programs.

Differentiator

Problem solved

Functional benefit

Brands

• ZINC Income Mortgage Fund: Private mortgage fund backing the company's lending operations
• ZINC Marketplace
• ZINC 1.25% Listing

Products and services

• Fix N Flip Loan Short-term private money loan for real estate investors purchasing and renovating distressed or undervalued properties for resale (typically 12-24 months). Provides fast approval and flexible underwriting that considers deal economics and property value over FICO scores.
• Business Purpose Bridge Loan Bridge financing for business-purpose real estate transactions, providing short-term capital to bridge the gap between acquisition and long-term financing or sale. Used by real estate investors for time-sensitive closing needs.
• Home Transition Bridge Loan Bridge loan for homeowners transitioning between properties, providing interim financing to facilitate a smooth property transition when buying a new home before selling the existing one.
• DSCR Rental Loan Rental property loan using debt service coverage ratio as the primary underwriting metric, designed for real estate investors acquiring or refinancing non-owner-occupied rental assets and cash-out refinances for portfolio growth.
• Ground Up Construction Loan Construction financing for real estate developers and investors building new properties from foundation to completion, with draw-based funding tied to construction milestones, inspections, and completion guarantees.
• ZINC Income Mortgage Fund Proprietary mortgage fund offering accredited investors the opportunity to invest in ZINC's real estate lending portfolio, delivering returns through private money loan investments with a core discipline of principal protection.
• ZINC Marketplace Online marketplace platform (zincmarketplace.com) connecting real estate investors with ZINC's guaranteed funding options and property listings, supporting the ZINC investor ecosystem.
• Loan Servicing Ongoing post-origination loan servicing including draw requests, payoff processing, and reconveyance services for active ZINC loans.
• ZINC 1.25% Listing Service Real estate listing service offering a reduced 1.25% commission rate for properties being sold by ZINC borrowers (typically renovated fix-and-flip projects), enabling investors to retain more profit on disposition.

Quantifiable outcome

• $1 Billion+ in real estate lending originated
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

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.

• LiquidLogicscoreTechnology or IntegrationLiquidLogics provides the loan management technology platform powering ZINC's borrower portal, loan origination tools, term sheet generation (LoanSizer), servicing functionality, and borrower login portal. This is a critical operational technology partnership enabling ZINC's self-service borrower tools and loan processing workflows.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lima One Capital: Lima One Capital specializes in fix-and-flip, rental, and multifamily financing for real estate investors. It competes with ZINC across the same SMB investor segments with comparable loan products and underwriting approach.
• RCN Capital: RCN Capital is a nationwide private lender offering fix-and-flip, rental, and new construction loans to real estate investors. It is a direct competitor to ZINC in the bridge and rental financing categories.
• CoreVest Finance: CoreVest (a division of Redwood Trust) is a direct private lender to residential real estate investors offering fix-and-flip, rental, and bridge loans. It overlaps directly with ZINC's fix-and-flip, DSCR, and bridge loan programs.
• Kiavi (formerly LendingHome): Kiavi is one of the largest tech-enabled private real estate lenders in the U.S., focused on fix-and-flip and bridge financing for residential investors. It directly competes with ZINC's Fix N Flip and bridge loan programs with a similar technology-led origination model.
• Patch of Land: Patch of Land is a private real estate lending platform focused on fix-and-flip and bridge loans for individual investors. It overlaps with ZINC's core fix-and-flip product and SMB investor target market.
• Visio Financial Services: Visio Financial (formerly Private National Mortgage Acceptance Company / First Lien) is a private hard money lender providing fix-and-flip and rental loans to real estate investors. It directly competes with ZINC's hard money lending products.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and residential investor lending platform offering a broader suite of products. It is a larger, more diversified alternative lender competing for the same investor-borrower base as ZINC.

Emerging players

• PeerStreet: PeerStreet is a private real estate debt marketplace connecting accredited investors with institutional-quality real estate loans. It is comparable to ZINC's fund/marketplace model and serves similar private credit investors.
• Groundfloor: Groundfloor is a real estate crowdfunding platform enabling individual investors to fund short-term fix-and-flip loans. It intersects with ZINC on the lending side and on the accredited-investor funding side through the mortgage fund.
• EasyKnock: EasyKnock provides sale-leaseback and bridge financing solutions for residential property owners and investors. It intersects with ZINC's home transition bridge and rental property financing segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 ZINC