The Lending Network
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.
- Company typePrivate
- Founded2004
- HeadquartersAgoura Hills, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
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.
The Lending Network firmographics
Firmographics- 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
The Lending Network industry classification
Industry- 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
Where The Lending Network is headquartered
LocationHeadquarters
- HQ city
- Agoura Hills
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
The Lending Network business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Trust Deed Investment - Multi-beneficiary (Fractional) |
| One time/ perpetual license | Pay-as-you-go | Trust Deed Investment - Whole Note |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
The Lending Network product offering
Product offeringCore 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
Companies that use The Lending Network
Customer profileSegments3 records
Ideal customer profiles3 records
The Lending Network technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
The Lending Network partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- California Association of RealtorsminorListed 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
The Lending Network competitors and assessment
Company assessmentDirect 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
The Lending Network social profiles
Digital presenceThe Lending Network compliance and trust
Trust signalCompliance2 records
The Lending Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Lending Network leadership team
Management profileNumber of profiles
The Lending Network funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Lending Network 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 The Lending Network
What does The Lending Network do?
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%.
Is The Lending Network a public or private company?
The Lending Network is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was The Lending Network founded?
The Lending Network was founded in 2004. It employs 1 to 10 people.
Where is The Lending Network based?
The Lending Network is headquartered in Agoura Hills, United States, in the North America region.
How does The Lending Network make money?
Two revenue lines are on record. Interest Income on Funded Loans are the primary driver. The others are broker Commission.
Who are The Lending Network's main competitors?
Direct peers on record are Anchor Loans, RCN Capital, CoreVest Finance, Kiavi (formerly LendingHome), Patch of Land, Lima One Capital, Visio Lending, Fund That Flip and Newfi Wholesale. Aegis Capital / Direct Private Money Network is listed as a regional player.
Does The Lending Network have an API?
No public API is recorded for The Lending Network.
What industry is The Lending Network in?
The Lending Network's product category is Private Money Mortgage Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6162.