Silver Hill Funding
Silver Hill Funding is a Coral Gables-based private commercial lender (NMLS ID 2469) that originates $100K–$2.5M small-balance commercial, bridge, and DSCR loans for investors via a national broker channel, with $2B+ originated since its 2016 relaunch.
- Company typePrivate
- Founded2001
- HeadquartersCoral Gables, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Silver Hill Funding does
Silver Hill Funding, operating as Silver Hill Capital, LLC, is a Coral Gables, Florida-based private commercial lender (NMLS ID 2469) that has operated under the Silver Hill name for approximately 25 years and was relaunched in its current form in 2016. The company originates small-balance commercial mortgage loans in the $100K–$2.5M range, including commercial bridge loans and DSCR loans for 1-4 unit investment properties, with individual deal sizes observed between roughly $245K and $1.08M. Since the 2016 relaunch it has cumulatively originated more than $2B in loan volume.
Its core products are conventional and bridge commercial mortgages and DSCR loans for small residential investors, distributed exclusively through a broker channel rather than direct retail origination. The technology stack consists of a self-service Broker Portal that allows third-party commercial mortgage brokers to price and submit deals online, supplemented by standard rate calculators. There is no evidence of proprietary AI/ML underwriting or differentiated technology beyond broker enablement tooling. The company operates with a lean team (11–50 employees) including a field force of Account Executives supporting broker relationships across multiple licensed states.
The business model combines origination economics (points/fees on closed loans) with net interest income generated on held or participated loan positions, particularly on bridge products. Revenue is therefore a function of both origination volume and balance-sheet deployment of capital into loans. The customer base is highly fragmented across small-balance commercial and residential investment borrowers, with no single anchor account; the principal concentration risk is channel concentration on the broker partner network rather than borrower concentration.
Silver Hill Funding firmographics
Firmographics- Name
- Silver Hill Funding
- Legal name
- Silver Hill Capital, LLC
- Website
- https://silverhillfunding.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Silver Hill Funding is a Coral Gables-based private commercial lender (NMLS ID 2469) that originates $100K–$2.5M small-balance commercial, bridge, and DSCR loans for investors via a national broker channel, with $2B+ originated since its 2016 relaunch.
- Ownership category
- akta.pro rank
Silver Hill Funding industry classification
Industry- Product category
- Commercial Real Estate Lending
- NAICS
- Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Mini-Correspondent / Table Funding Programs (FSALACAC)
- akta.pro secondary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Silver Hill Funding is headquartered
LocationHeadquarters
- HQ city
- Coral Gables
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Silver Hill Funding business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Commercial and Investment Property Lending: Silver Hill Capital generates revenue through originating and servicing commercial loans and DSCR (Debt Service Coverage Ratio) loans. Revenue is derived from interest income and loan origination fees on small-balance commercial loans ($100,000 to $2.5 million), commercial bridge loans, and 1-4 unit investment property loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Small-Balance Commercial Loans: $100,000 to $2.5 million |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Silver Hill Funding product offering
Product offeringCore offering
Silver Hill Funding originates small-balance commercial loans ($100,000 to $2.5 million), commercial bridge loans, and Debt Service Coverage Ratio (DSCR) loans for 1-4-unit investment properties. Loans are sourced primarily through a national mortgage broker network supported by a Salesforce-based broker portal, online pricing calculators, and dedicated Account Executives. The company also services the loans it originates.
Product overview
Silver Hill Funding operates as a commercial lending platform offering three primary loan products: Small-Balance Commercial Loans ($100,000-$2.5 million), Commercial Bridge Loans, and DSCR Loans for 1-4-unit investment properties. The platform provides broker-facing tools including a loan pricing calculator and transaction portal (Broker Portal) for pricing and submitting deals. The company also offers loan servicing for existing borrowers. All programs are offered to qualified commercial lending institutions and are not applicable to the general public.
Differentiator
Problem solved
Functional benefit
Products and services
- Small-Balance Commercial Loans Flexible commercial loan solutions ranging from $100,000 to $2.5 million for commercial property investors and small business owners financing commercial properties such as offices, retail, and restaurants.
- Commercial Bridge Loans Short-term commercial real estate financing designed to help borrowers bridge capital gaps while executing longer-term real estate investment strategies.
- DSCR Loans Debt Service Coverage Ratio (DSCR) loans for 1-4-unit investment properties that qualify on property cash flow without requiring borrower tax returns, providing an alternative for borrowers experiencing agency fallout.
- Broker Portal Online Salesforce-based portal enabling mortgage brokers to price commercial and DSCR loan deals on demand, submit applications, and manage transactions through the loan lifecycle.
- Loan Servicing Ongoing in-house loan servicing and mortgage payment management for borrowers of Silver Hill-originated commercial, DSCR, and bridge loans, with a dedicated servicing phone line.
Companies that use Silver Hill Funding
Customer profileNamed customers6 records
Segments2 records
Ideal customer profiles2 records
Silver Hill Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Silver Hill Funding partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights4 records
Silver Hill Funding competitors and assessment
Company assessmentDirect peers
- A&D Mortgage: A&D Mortgage is a non-QM lender offering DSCR and other non-agency products through a wholesale broker channel — a direct competitor in the broker-distributed non-QM investor-lending space.
- Lima One Capital: Lima One Capital is a direct specialty lender focused on DSCR rental portfolio loans, fix-and-flip bridge loans, and small-balance commercial loans for real estate investors — directly overlapping Silver Hill's DSCR and commercial bridge products and serving the same broker channel.
- Verus Mortgage Capital: Verus Mortgage Capital is a wholesale and correspondent non-QM and DSCR lender distributing through brokers — directly comparable in product mix and distribution to Silver Hill.
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions originates non-QM, DSCR, and specialty mortgage products distributed through a wholesale broker channel — directly competing with Silver Hill's DSCR program and broker-centric origination model.
- RCN Capital: RCN Capital originates bridge, DSCR, and small-balance commercial loans for real estate investors, distributed through a broker network — directly comparable in product set and target customer to Silver Hill.
- Kiavi (formerly LendingHome): Kiavi is a non-bank lender providing bridge, DSCR, and rental loans to real estate investors distributed through a broker/account-executive model — directly comparable in product mix and go-to-market to Silver Hill.
- Deephaven Mortgage: Deephaven Mortgage is a non-QM lender with a strong wholesale broker focus, offering DSCR, bank statement, and asset depletion products — closely aligned with Silver Hill's broker channel and non-agency investor-lending focus.
- CoreVest Finance (a Redwood Trust company): CoreVest specializes in financing residential real estate investors with rental portfolio and bridge loans distributed through a broker network — overlapping with Silver Hill's DSCR and bridge products and investor-targeted customer base.
Broad incumbents
- Carrington Mortgage Services: Carrington offers a wholesale DSCR and non-QM product suite alongside a broad agency and government lending business — overlaps Silver Hill in DSCR but as part of a much wider product portfolio.
- NewRez (DSCR program): NewRez is a large mortgage servicer and originator with a wholesale DSCR loan program for investment properties — competes with Silver Hill in the broker-distributed DSCR space but as part of a much broader mortgage product portfolio.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key highlights6 records
Customer concentration
Silver Hill Funding social profiles
Digital presenceSilver Hill Funding compliance and trust
Trust signalCompliance2 records
Silver Hill Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Silver Hill Funding leadership team
Management profileNumber of profiles
Profiles1 record
Silver Hill Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Silver Hill Funding 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 Silver Hill Funding
What does Silver Hill Funding do?
Silver Hill Funding originates small-balance commercial loans ($100,000 to $2.5 million), commercial bridge loans, and Debt Service Coverage Ratio (DSCR) loans for 1-4-unit investment properties. Loans are sourced primarily through a national mortgage broker network supported by a Salesforce-based broker portal, online pricing calculators, and dedicated Account Executives. The company also services the loans it originates.
Is Silver Hill Funding a public or private company?
Silver Hill Funding is a private company. It is classified as unknown and is currently operating.
When was Silver Hill Funding founded?
Silver Hill Funding was founded in 2001. It employs 11 to 50 people.
Where is Silver Hill Funding based?
Silver Hill Funding is headquartered in Coral Gables, United States, in the North America region.
How does Silver Hill Funding make money?
One revenue line is on record: commercial and Investment Property Lending.
Who are Silver Hill Funding's main competitors?
Direct peers on record are A&D Mortgage, Lima One Capital, Verus Mortgage Capital, Angel Oak Mortgage Solutions, RCN Capital, Kiavi (formerly LendingHome), Deephaven Mortgage and CoreVest Finance (a Redwood Trust company). Broad incumbents are Carrington Mortgage Services and NewRez (DSCR program).
Does Silver Hill Funding have an API?
No public API is recorded for Silver Hill Funding.
What industry is Silver Hill Funding in?
Silver Hill Funding's product category is Commercial Real Estate Lending. Its primary akta.pro industry code is FSALACAC, Mini-Correspondent / Table Funding Programs, with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 522 and its SIC code is 6162.