Thirty Capital
Thirty Capital (dba Defease With Ease) is a Charlotte-based financial services firm that pioneered CRE defeasance in 2000. It provides debt management, hedging advisory, defeasance, and successor borrower services to commercial real estate owners, lenders, and servicers using proprietary pricing models and quantitative automation.
- Company typePrivate
- Founded2000
- HeadquartersCharlotte, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Thirty Capital does
Thirty Capital, operating under the brand "Defease With Ease | Thirty Capital," is a Charlotte, North Carolina-based financial services firm that pioneered commercial real estate defeasance in 2000. The company provides debt management, defeasance consulting, interest rate hedging advisory, and successor borrower services to commercial real estate owners, investors, lenders, and servicers. Its stated proposition combines quantitative statistical automation with 25+ years of capital markets expertise to manage debt transactions and optimize debt horizons for fixed and floating rate CRE loans.
The product platform centers on three advisory services — Defeasance, Hedging Advisory (swaps, caps, collars, swaptions, cancellable swaps), and Debt Optimization — supported by an interactive calculator suite (defeasance, yield maintenance, SOFR cap valuation, life-of-loan) that produces quick cost estimates. Underlying the platform are proprietary pricing models, live-trading data feeds, direct trader relationships, and proprietary economic forecasting models used to minimize borrower out-of-pocket costs. The wholly-owned Defeasance Holding Company (DHC) subsidiary provides successor borrower designation and has assumed over 10,000 loans with collateral portfolios exceeding $150 billion cumulatively. The firm has also launched Lobby AI, an AI-powered product for commercial real estate applications.
Thirty Capital runs a professional services revenue model with quote-based pricing tied to loan parameters and transaction complexity. It executes an enterprise field sales motion targeting CRE firms, employs 51–100 staff, and operates under SOC 2 Type I certification verified by Thoropass. Distribution is anchored by default integrations with major commercial mortgage servicers including Bank of America Merrill Lynch, Berkadia, Midland Loan Services, KeyBank, Trimont, GEMSA, NorthMarq Capital, and Prudential Asset Resources. Marketing is built on educational content, interactive tools, industry events, and a CRM-style funnel with multiple CTAs (Request a Meeting, Speak to an Analyst, Contact Us) feeding a dedicated deal management team.
Thirty Capital firmographics
Firmographics- Name
- Thirty Capital
- Legal name
- Thirty Capital
- Website
- https://thirtycapital.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Thirty Capital (dba Defease With Ease) is a Charlotte-based financial services firm that pioneered CRE defeasance in 2000. It provides debt management, hedging advisory, defeasance, and successor borrower services to commercial real estate owners, lenders, and servicers using proprietary pricing models and quantitative automation.
- Ownership category
- akta.pro rank
Where Thirty Capital is headquartered
LocationHeadquarters
- HQ city
- Charlotte
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Thirty Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Defeasance Services: Professional consulting fees for defeasance facilitation, calculations, and education. Services include preliminary cost analysis, servicer coordination, and transaction closing.
- Hedging Advisory: Advisory services for interest rate hedging including cap brokerage, swap terminations, market-to-market services, and swap advisory. Revenue generated through brokerage fees and advisory consulting.
- Debt Management: Debt modeling, forecasting, and optimization advisory services. Includes debt horizon management and predictive quantitative analysis.
- Successor Borrower Services: DHC (Defeasance Holding Company) provides successor borrower services, assuming loans and managing collateral portfolios. Streamlined designation process with transparent residual calculations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based professional services |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Thirty Capital product offering
Product offeringCore offering
Thirty Capital (Defease With Ease) provides defeasance facilitation, interest rate hedging advisory, debt optimization, and successor borrower services for commercial real estate borrowers. It combines capital markets expertise with proprietary pricing models and quantitative automation to manage and optimize debt transactions.
Product overview
Thirty Capital operates as a financial services and debt management platform with a portfolio of interrelated products centered on defeasance, hedging, and debt optimization services for commercial real estate. The core offering consists of Defeasance consulting (using proprietary pricing models and live-trading data), Hedging Advisory (modeling Swaps, Caps, Collars, Swaptions, and Cancellable Swaps), and Debt Optimization (predictive quantitative analysis for debt horizon management). Supporting these are Yield Maintenance calculations and Successor Borrower services via Defeasance Holding Company (DHC). A suite of calculator tools (Defeasance Calculator, Yield Maintenance Calculator, SOFR Cap Valuation, Life of Loan Calculator) enables quick quote estimates. The company also offers Lobby AI, an AI-powered product for commercial real estate. The architecture is platform-plus-modules, with advisory services as the primary offering and technology tools (calculators, AI) as complementary modules.
Differentiator
Problem solved
Functional benefit
Products and services
- Defeasance Consulting service that provides preliminary cost analysis, formally initiates the defeasance process with servicers, and manages transaction closure using proprietary pricing models, live-trading data feeds, and direct trader relationships. For commercial real estate borrowers.
- Hedging Advisory Advisory service utilizing proprietary technology and live market data to model, price, and analyze interest rate hedging structures including Swaps, Caps, Collars, Swaptions, and Cancellable Swaps for CRE borrowers.
- Debt Optimization Debt management service using predictive quantitative analysis to model and stress-test market and property performance assumptions, forecasting optimal horizons to refinance, sell, or acquire commercial real estate assets.
- Yield Maintenance Service providing yield maintenance calculations to determine prepayment costs for borrowers seeking to pay off loans early.
- Successor Borrower Service through Defeasance Holding Company (DHC) providing successor borrower designation processes and transparent residual calculations to return value to originators, borrowers, and servicers.
- Lobby AI AI-powered tool for commercial real estate applications.
Quantifiable outcome
- Minimized borrower out-of-pocket costs through proprietary pricing models
- +1 more outcomes
Companies that use Thirty Capital
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Thirty Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Thirty Capital partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor.
- Bank of America Merrill LynchminorMajor commercial mortgage servicer listed as a servicer option in the defeasance calculator. Servicers are required partners in defeasance transactions as the company coordinates with them to formally start the defeasance process.
- Berkadia Commercial MortgageminorCommercial mortgage servicer available as a servicer option in defeasance calculator for coordinating loan transactions.
- Midland Loan ServicesminorCommercial mortgage servicer available as a servicer option in defeasance calculator for coordinating loan transactions.
- KeyBank National AssociationminorFinancial institution servicer available as a servicer option in defeasance calculator for coordinating loan transactions.
- TrimontminorCommercial mortgage servicer available as a servicer option in defeasance calculator for coordinating loan transactions.
- GEMSA Loan ServicesminorLoan servicer available as a servicer option in defeasance calculator for coordinating loan transactions.
- NorthMarq CapitalminorCommercial real estate capital markets firm listed as servicer option in defeasance calculator.
- Prudential Asset ResourcesminorAsset management servicer available as a servicer option in defeasance calculator for coordinating loan transactions.
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
Thirty Capital competitors and assessment
Company assessmentDirect peers
- Chatham Financial: Largest independent advisor on derivative and debt management, with deep CRE hedging, defeasance, and debt advisory practices. Competes head-to-head with Thirty Capital on interest rate hedging and debt strategy for CRE borrowers.
- Mortgage Capital Trading: Specialist in CMBS hedging, defeasance, and structured finance trading for commercial real estate. Directly comparable in transactional defeasance and yield maintenance pricing for CRE lenders and borrowers.
- JCRA Financial Advisors: Independent interest rate hedging and debt management advisor (now part of Chatham) serving CRE and corporate borrowers. Overlaps directly with Thirty Capital's hedging advisory and debt optimization services.
- Altus Group: Provider of CRE data, analytics, and advisory services including ARGUS software and debt/valuation consulting. Comparable as a technology-enabled CRE financial advisory platform serving institutional property owners.
Emerging players
- Polypaths: Quantitative debt management and optimization platform used by CRE issuers and investors. Overlaps with Thirty Capital's predictive quantitative debt modeling and stress-testing offerings.
- Trepp: CRE data, analytics, and CMBS market intelligence provider with adjacent debt analysis tools. Comparable as an emerging technology and data player enabling CRE debt decision-making, though more data-focused than advisory.
Broad incumbents
- Newmark Group: Major CRE capital markets and advisory platform with debt placement, hedging, and loan servicing capabilities. Competes as a broad incumbent that can bundle defeasance-related services into larger CRE mandates.
- CBRE: Largest global CRE services firm with a deep debt advisory, loan servicing, and capital markets practice. Represents a scale incumbent whose servicing platform can capture defeasance and hedging workflows internally.
- Cushman & Wakefield: Global CRE services platform with debt advisory, valuation, and capital markets capabilities. Comparable as a broad incumbent competing for institutional CRE debt advisory work.
- Eastdil Secured: Specialized CRE investment banking platform with debt placement and structured finance capabilities. Comparable as a focused capital-markets incumbent serving large CRE owners on debt restructuring and defeasance-adjacent events.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Thirty Capital compliance and trust
Trust signalCompliance1 record
Thirty Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Thirty Capital leadership team
Management profileNumber of profiles
Profiles2 records
Thirty Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Thirty Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Thirty Capital 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 Thirty Capital
What does Thirty Capital do?
Thirty Capital (Defease With Ease) provides defeasance facilitation, interest rate hedging advisory, debt optimization, and successor borrower services for commercial real estate borrowers. It combines capital markets expertise with proprietary pricing models and quantitative automation to manage and optimize debt transactions.
Is Thirty Capital a public or private company?
Thirty Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Thirty Capital founded?
Thirty Capital was founded in 2000. It employs 51 to 100 people.
Where is Thirty Capital based?
Thirty Capital is headquartered in Charlotte, United States, in the North America region.
How does Thirty Capital make money?
Four revenue lines are on record. Defeasance Services are the primary driver. The others are hedging Advisory, debt Management and successor Borrower Services.
Who are Thirty Capital's main competitors?
Direct peers on record are Chatham Financial, Mortgage Capital Trading, JCRA Financial Advisors and Altus Group. Emerging players are Polypaths and Trepp. Broad incumbents are Newmark Group, CBRE, Cushman & Wakefield and Eastdil Secured.
Does Thirty Capital have an API?
No public API is recorded for Thirty Capital.