The Private Lender Network

What The Private Lender Network does

The Private Lender Network (PLN) is a U.S.-based wholesale real estate lender that provides debt and equity capital solutions for investment real estate. Rather than originating directly to end borrowers, PLN operates an intermediary B2B model, partnering with brokers and lenders nationwide who retain their client relationships and source PLN's capital to close loans. PLN offers four core loan products: Fix and Flip financing up to $3.5 million at up to 90% loan-to-cost (LTC); New Construction financing up to $5 million for 1–4 unit builds at up to 90% LTC; Multifamily financing up to $10 million at up to 90% LTC; and Bridge & Value-Add financing up to $3.5 million for short-term residential projects.

Operationally, PLN generates revenue through interest and fees on loans it originates through its wholesale channel, with pricing quoted deal-by-deal rather than published on the website. A distinguishing structural feature is the borrower-back-referral loop: when prospective borrowers contact PLN directly, those inquiries are routed back to top producing brokers in the borrower's market, reinforcing the wholesale channel and reinforcing partner loyalty. The company is actively recruiting elite originators in U.S. real estate markets it has identified as high-growth, signaling a multi-market expansion strategy.

The underlying technology stack is not disclosed in the available source material; no proprietary platform, AI/ML capability, integrations, or patents are described. Headcount is reported in the 11–50 range. Ownership is private with no parent company, institutional investor, or public listing identified, and no founding date, funding history, or financial statements have been disclosed. The available profile is consistent with a small-to-mid-sized, relationship-driven wholesale private lender rather than a scaled fintech.

Name

The Private Lender Network

Legal name

Private Lender Network

Website

https://thepln.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

The Private Lender Network (PLN) is a wholesale real estate lender offering fix-and-flip, new construction, multifamily, and bridge financing to brokers and lenders serving investment real estate borrowers across the United States.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro industry

PRIMARYFSALACAA

Wholesale Mortgage Lending (Broker Channel)

Financial & Insurance/Mortgage & Housing Finance/Wholesale & Correspondent Mortgage Lending

SECONDARYFSANADAG

Real Estate Private Credit (CRE Debt)

Financial & Insurance/Private Equity & Venture Capital/Private Credit / Direct Lending Funds

SECONDARYFSAEAEAH

Hard Money & Private Mortgage Lending Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSALADAG

Balance-Sheet / Portfolio CRE Lending

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

Keywords

• Real estate lending
• Wholesale mortgage lending
• Private lending
• Fix and flip financing
• Bridge loan financing

Headquarters

HQ city

America

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Real Estate Lending/Financing: The Private Lender Network generates revenue by providing real estate capital solutions. As a wholesale lender, they offer debt and equity products including fix and flip loans, new construction financing, multifamily loans, and bridge/value-add financing. Revenue is generated through interest and fees on the loans they originate.

Go-to-market motion1 record

Distribution channels1 record

Core offering

The Private Lender Network (PLN) operates as a wholesale lender that provides real estate capital solutions to real estate investors through a national network of brokers and lenders. The company offers a full suite of debt and equity products for investment real estate, including fix and flip loans (up to $3.5M and 90% LTC), new construction financing (up to $5M for 1-4 units at 90% LTC), multifamily loans (up to $10M at 90% LTC), and bridge & value-add financing (up to $3.5M). Brokers retain their client relationships while accessing PLN's capital, and borrower-direct inquiries are referred back to top producing brokers in their respective markets.

Product overview

The Private Lender Network operates as a wholesale lending platform providing a suite of real estate debt and equity products. The platform offers four core loan products: Fix and Flip (short-term renovation financing up to $3.5M at 90% LTC), New Construction (up to $5M for 1-4 unit builds at 90% LTC), Multifamily (up to $10M at 90% LTC), and Bridge & Value-Add (short-term financing up to $3.5M for residential buildings). These products collectively serve real estate investors and brokers nationwide with debt and equity capital solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip

Quantifiable outcome

• Fix and Flip loans up to $3.5M at 90% LTC; New Construction up to $5M for 1-4 units at 90% LTC; Multifamily up to $10M at 90% LTC; Bridge & Value-Add up to $3.5M

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• RCN Capital: RCN Capital is a private real estate lender offering fix-and-flip, new construction, rental, and multifamily financing distributed primarily through a broker channel, mirroring PLN's wholesale go-to-market.
• Patch of Land: Patch of Land is a tech-enabled private real estate lending marketplace focused on fix-and-flip and new construction loans. Comparable to PLN on borrower segment, though it leans more on marketplace/tech-enabled origination.
• Visio Lending: Visio Lending specializes in rental portfolio and small multifamily financing for individual investors and small landlords. Comparable to PLN's multifamily and bridge/value-add products from a borrower-type perspective.
• Anchor Loans: Anchor Loans is one of the largest U.S. private fix-and-flip and ground-up construction lenders, working through a broker network. Directly comparable to PLN on product set and channel model.
• Lima One Capital: Lima One Capital is a balance-sheet private lender specializing in fix-and-flip, new construction, rental, and multifamily loans. It is one of PLN's closest direct competitors in product mix and broker/wholesale distribution.
• CoreVest Finance: CoreVest (a Franklin Templeton company) provides financing for residential real estate investors and small-balance commercial investors, including fix-and-flip, rental, and bridge loans. Comparable to PLN on product range and institutional backing.
• LendingOne: LendingOne is a private lender offering fix-and-flip, new construction, rental portfolio, and multifamily financing through wholesale and direct broker channels, with a similar product suite to PLN.
• Kiavi: Kiavi is one of the largest tech-enabled private real estate lenders in the U.S., offering fix-and-flip, new construction, and rental loans. It competes directly with PLN for the same investor borrowers via a wholesale and direct broker channel.

Emerging players

• Groundfloor: Groundfloor offers short-term, high-LTC fix-and-flip and rental loans to individual real estate investors, including via a wholesale broker channel. Overlaps with PLN on product and channel, with a more retail/crowd-funded capital base.
• AHP Servicing (American Homeowner Preservation): AHP Servicing provides private lending, servicing, and capital solutions for residential fix-and-flip and rental investors. Comparable to PLN on customer segment and private-credit product focus, with partial overlap on distribution model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

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 Private Lender Network