What Futures Financial does

Futures Financial is a private real estate lending company founded in 2022 and headquartered in Orange, California, with a secondary office in Tustin. The firm originates and services bridge loans, fix-and-flip loans, ground-up construction loans, and 30-year DSCR rental loans secured by 1st trust deeds on residential and multi-family business-purpose real estate across 10+ U.S. markets, primarily in judicial states. As a true balance sheet lender with 100% discretion over its funds, Futures Financial deploys capital sourced from high-net-worth individuals, alternative credit funds backed by a family office, and strategic relationships with regional banks and whole loan purchasers. The company has closed three private funds within its first two years and reports 169 total loans funded since inception, with a self-reported 100% historical capital return rate and a $20 million maximum exposure cap per borrower.

The company's go-to-market is sales-led, combining direct borrower applications with a broker partner program and an investor KYC onboarding portal for capital partners. Pricing and loan terms are not publicly disclosed but follow standardized templates: 12–18 month bridge and construction products at up to 75% LTV/LTC with interest-only and stated-income features, plus a 30-year DSCR product requiring a 1.2%+ debt service coverage ratio. There is no proprietary technology platform; underwriting and servicing rely on manual, relationship-driven processes supported by senior account executives covering 30+ states. Marketing is anchored by thought-leadership content, including co-founder Kendra Rommel's 'The Rommel Report' podcast, AAPL conference participation, and industry association memberships.

Name

Futures Financial

Legal name

Futures Financial, LLC

Website

https://futuresfinancial.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Futures Financial is a private, balance-sheet real estate lender founded in 2022 in Orange, California, providing bridge, fix-and-flip, ground-up construction, and DSCR loans to real estate investors nationwide through multiple private funds.

Ownership category

akta.pro rank

Headquarters

HQ city

Orange

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Loan Origination & Interest Income: Futures Financial generates revenue primarily through loan origination fees and interest income on their bridge loans, fix/flip loans, ground-up construction loans, and DSCR (Debt Service Coverage Ratio) loans. They are a balance sheet lender with 100% discretion over their funds, allowing them to make creative, customized lending decisions. Capital comes from high-net-worth individuals, alternative credit funds backed by a family office, strategic relationships with regional banks, and whole loan purchasers.
2. Investor Fund Management: The company manages multiple funds (having closed their 3rd fund in April 2024, just two years after founding) with disclosed credit boxes and investment guidelines. They generate management fees and performance income from these funds, which provide capital for their lending operations.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Futures Financial is a balance-sheet private real estate lender offering short-term and long-term financing products to real estate investors, including 12-18 month bridge loans, fix/flip loans, ground-up construction loans, and 30-year DSCR rental loans. The company originates loans secured by 1st trust deeds on residential and multi-family business-purpose US real estate, using capital sourced from its own funds, high-net-worth investors, a family office, and regional bank relationships, and closes loans in 4-7 business days.

Product overview

Futures Financial is a private real estate lending company offering a portfolio of four core loan products: Bridge Lending (12-18 month short-term loans for competitive market acquisition), Fix/Flip Loans (short-term private money for renovation projects), Ground-Up Construction Loans (short-term financing for building projects), and DSCR Loans (30-year long-term rental financing). The company specializes in 1st trust deeds secured against residential and multi-family business-purpose US real estate, offering purchase, rate/term refinances, and cash-out refinances.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridge Lending Short-term loan product offering 12-18 month terms with up to 75% LTV, stated income options, purchase, rate and term refinances and cash out refinances, and interest-only options, designed for real estate investors to engage in competitive markets, acquire assets, and scale their business.
• Fix/Flip Loans Short-term private money loans for real estate investors acquired to finance property renovation and resale, offering up to 75% LTV plus 100% of rehab budget financed, with 12-18 month terms, stated income, interest-only options, and purchase, rate and term refinances and cash out refinances.
• Ground-Up Construction Loans Short-term construction financing intended to fund new building projects, offering up to 75% LTC (loan-to-cost), 12-18 month terms, stated income, purchase, rate and term refinances and cash out refinances, and permitting CPACE 2nd position financing.
• DSCR (Debt Service Coverage Ratio) Loans Long-term rental financing product enabling borrowers to access equity while maintaining cash flow and scaling real estate investment portfolios, offering 30-year terms, up to 75% LTV, DSCR calculation of 1.2%+, stated income, interest-only options, and purchase and rate/term refinances.
• Private Lending Funds Pooled private lending funds with disclosed credit boxes and investment guidelines that provide capital for Futures Financial's bridge, fix/flip, construction, and DSCR lending operations; offered to accredited investors, family offices, and institutional capital partners, with management fees and performance-based income.

Quantifiable outcome

• 4-7 business days closing time from receipt of appraisals (assuming full file from borrower)
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• American Association of Private Lenders (AAPL)coreOthersAAPL is the oldest national organization representing the private real estate and peer-to-peer lending industry, formed in 2009. Futures Financial is a member and Kendra Rommel contributed a leadership chapter to AAPL's published book 'Private Lender Perspectives'. The partnership provides industry credibility, networking opportunities, and thought leadership platforms.
• Women in Private LendingcoreOthersFounded in November 2021 by reputable women in the private lending space to create a community for knowledge sharing, fellowship, and inspiration. Futures Financial supports this organization as part of their commitment to diversity and industry community.
• International Executive Council (IEC)minorOthersOffers members exclusive global business networking, digital marketing, and educational opportunities. Futures Financial is listed as a supporter of IEC's mission to enhance professional and personal growth.
• Soley Inc.minorOthersNonprofit dedicated to improving lives in Cite Soleil, Haiti by providing jobs through building homes, micro loans for local businesses, and education/mentoring for secondary students. Futures Financial is a supporter of Soley's mission.
• Tap Tap KombuchaminorOthersOrganic, raw kombucha company partnering with Soley Inc. to educate children in Haiti. Futures Financial is listed as a supporter of this sustainable beverage company.
• Las Vegas Realtors (LVR)coreOthersLVR represents over 15,000 members active in all phases of real estate including residential sales, property management, appraisal, development, auctions, and commercial sales. With 70+ years of service, it's one of the top ten largest REALTOR associations in the US.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LendingOne: Balance-sheet private real estate lender offering bridge, fix-and-flip, ground-up construction, and DSCR loans to investors — essentially the same product matrix as Futures Financial, with broader geographic reach.
• Kiavi: Tech-enabled private real estate lender (formerly LendingHome) providing bridge and fix-and-flip financing to residential investors; comparable in product set and target customer.
• Lima One Capital: Direct private money lender specializing in fix-and-flip, new construction, rental, and multi-family loans to real estate investors — near-identical product offering and borrower base.
• RCN Capital: National private lender offering short-term bridge, fix-and-flip, and rental portfolio loans to real estate investors with a broker-friendly channel similar to Futures Financial's.
• New Silver Lending: Private real estate lender providing bridge, fix-and-flip, and DSCR loans to investors, plus a fund structure that lends to other lenders — directly comparable to Futures' model.
• Easy Street Capital: Private money lender focused on fix-and-flip, new construction, and rental loans for real estate investors with a tech-forward broker platform.
• Anchor Loans: One of the largest private real estate lenders in the U.S., providing bridge and renovation financing to residential investors — same product set, much larger balance sheet.
• AHL (American Heritage Lending): Hard money/private lender offering short-term bridge and construction loans to real estate investors, with comparable balance-sheet model and broker channel.
• CoreVest Pacific: Private lender to residential real estate investors offering bridge, fix-and-flip, and rental loans — historically a direct competitor in the DSCR space.

Emerging players

• Groundfloor: Real-estate debt crowdfunding platform that originates fix-and-flip and rental loans to investors using pooled retail capital — comparable borrower base with a structurally different funding model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/futuresre
• Facebookfacebook.com/futuresfinancialRE
• LinkedInlinkedin.com/company/futuresre
• Instagraminstagram.com/futuresfinancialre

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Futures Financial