The Lending Network

What The Lending Network does

The Lending Network, operating through TLN Investments, Inc., is a California-based direct private money lender that originates non-traditional residential and commercial mortgage loans for borrowers who cannot qualify for conventional bank financing. Underwriting is based on property equity and ability to repay rather than credit score, with stated-income and self-employed borrowers accepted, loans available on properties held in probate, trust, corporation, or LLC, and refinances permitted while listed. The product portfolio spans residential, commercial, Rehab, Bridge, and Fix & Flip loans, with loan sizes ranging from $50,000 to $5,000,000, up to 75% LTV (80% in California, up to 90% for rehab), and a stated 5-business-day funding turnaround.

The company funds its loan originations entirely with private investor capital rather than institutional or warehouse debt. It operates a Trust Deed Investing platform that allows high net worth individuals, family trusts, self-directed IRAs, 401(k) plans, pension plans, partnerships, corporations, and LLCs to participate as direct mortgage lenders, either through fractional multi-beneficiary positions (minimum $25,000) or whole-note investments (typically $100,000), with stated yields of 8.50%-12%. It holds a California Bureau of Real Estate Broker License (#019745338) and NMLS registration (#2085501), and distributes via a direct website application, phone sales, and a cooperating-broker referral network of licensed California Real Estate Brokers paid under a formal Broker Agreement.

The Lending Network is a private, independently owned company headquartered in Agoura Hills, California, operating with 1-10 employees and serving California exclusively. There is no disclosed institutional capital, venture or private equity backing, parent company, or public listing. GTM is primarily referral-driven through mortgage brokers, bankers, and real estate professionals, with supplementary presence on LinkedIn, Twitter, and Facebook.

Name

The Lending Network

Legal name

TLN Investments, Inc.

Website

https://tlnmortgage.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

The Lending Network is a California-based direct private money lender that funds non-traditional residential and commercial mortgage loans for borrowers unable to qualify at banks, using capital sourced from a private trust deed investor pool seeking 8.5-12% yields.

Ownership category

akta.pro rank

Product category

Private Money Mortgage Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industries

Private Credit / Direct Lending (FSAAAHAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Private money lending
• Hard money loans
• Trust deed investing
• Real estate lending
• Bridge loans

Headquarters

HQ city

Agoura Hills

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Interest Income on Funded Loans: The Lending Network originates private money loans secured by real estate and earns interest on the funded amounts. Loans typically yield between 8.50% to 12% depending on collateral. The company acts as the lender using private investor capital.
2. Broker Commission: Licensed California Real Estate Brokers who bring borrowers to The Lending Network receive commission payments under a Broker Agreement. Brokers must be licensed and execute the broker agreement to participate.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

The Lending Network is a direct private money lender in California that originates non-traditional mortgage loans secured by real estate. The company funds residential, commercial, rehab, bridge, and fix & flip loans using private investor capital, with approval based on property equity and ability to repay rather than credit score. It also offers trust deed investment opportunities for high net worth individuals and institutional investors seeking yields of 8.50% to 12%.

Product overview

The Lending Network is a direct private money lender offering a portfolio of non-traditional mortgage products. The core offering consists of private money residential and commercial loans, with specialized products for rehabilitation projects (Rehab Loans, Fix & Flip Loans), bridge financing, and trust deed investment opportunities. Loans are funded with private investor capital and are designed for borrowers who cannot qualify for traditional bank loans, with approval based on property equity rather than credit score. The company operates as both a lender to borrowers and an intermediary connecting trust deed investors with real estate-backed lending opportunities.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Loans

Quantifiable outcome

• Funding completed within 5 business days

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

One partnership is on record.

• California Association of RealtorsminorChannel Partner/ Reseller/ DistributorListed as a broker resource on The Lending Network's Forms & Links page. The Association provides resources and support for real estate professionals who may refer clients.

Scale indicators1 record

Recent moves1 record

Direct peers

• Anchor Loans: California-headquartered direct private money lender focused on fix-and-flip and rental portfolio loans. Closely comparable to TLN in geography, product mix (rehab/bridge loans), and broker-referral GTM model.
• RCN Capital: National private money lender for residential and commercial real estate investors, including fix-and-flip and rental loans. Comparable products, broker-referral channel, and ability to serve similar non-prime borrowers.
• CoreVest Finance: Private lender to residential real estate investors offering rental portfolio, fix-and-flip, and new construction loans. Overlaps with TLN's commercial, rehab, and bridge loan products, serving a similar investor base nationwide.
• Kiavi (formerly LendingHome): One of the largest online private real estate lenders in the U.S., specializing in fix-and-flip and rental loans for residential investors. Directly competes with TLN's rehab, bridge, and residential investor loan products, with a stronger technology platform but historically higher-cost capital.
• Patch of Land: Online private money lender connecting real estate investors with capital through a marketplace model. Comparable to TLN's direct lending + investor syndication approach, focused on fix-and-flip and rental properties.
• Lima One Capital: Specializes in rental portfolio, fix-and-flip, and multifamily lending for real estate investors. Comparable to TLN in product breadth and target borrower (real estate investors), with national reach versus TLN's California focus.
• Visio Lending: Specializes in rental portfolio financing for small/mid-sized landlords. Comparable to TLN's commercial and multifamily investor offerings, with a more programmatic DSCR loan product versus TLN's broker-driven approach.
• Fund That Flip: Tech-enabled fix-and-flip lender combining direct origination with a marketplace for investor capital. Direct overlap with TLN's rehab/fix-and-flip product line and three-sided borrower-broker-investor model.
• Newfi Wholesale: Non-QM and private money wholesale lender providing alternative documentation loans for borrowers who don't fit agency guidelines. Comparable underwriting philosophy to TLN (flexible non-traditional criteria) but distributes through a wholesale broker channel.

Regional players

• Aegis Capital / Direct Private Money Network: California-based private money lender offering bridge and rehab loans to real estate investors, similar to TLN's hard money product set in the same regional market. Comparable in scale and broker-driven GTM motion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/tlnmortgage
• LinkedInlinkedin.com/company/the-lending-network

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 The Lending Network