Defease With Ease

What Defease With Ease does

Defease With Ease is a commercial real estate debt management platform operating as part of the Thirty Capital ecosystem (legal entity Thirty Capital, LLC; Charlotte, NC, with a Tampa, FL office). Founded in 2000 by CEO Rob Finlay, the firm pioneered commercial defeasance in the United States and has since defeased more than 10,000 commercial real estate loans — a figure the company characterizes as an industry high. It serves mid-market CRE owners and operators together with the brokers and attorneys who represent them in CMBS loan prepayments, refinancings, and loan sales. Core offerings include defeasance consulting, interest rate hedging advisory (caps and swaps), yield maintenance analysis, debt portfolio management, and successor borrower services administered through the Defeasance Holding Company (DHC), which has assumed loans backed by more than $150 billion in collateral.

The platform is built on proprietary quantitative models for defeasance cost calculation, yield curve analysis, and economic forecasting, integrated with live market data feeds and direct trader relationships. A suite of self-service Quick Quote calculators — Defeasance, Yield Maintenance, SOFR Cap, and Life of Loan — produces preliminary estimates and feeds leads into direct sales. The firm has extended into technology products, most notably Lobby AI, a finance-trained generative AI platform with autonomous agents and a mobile app launched October 2025 for CRE portfolio analytics, financial modeling, and reporting. Supporting analytics include Forward Curves and the Debt Scorecard, and the firm holds a SOC 2 Type I certification and a registered Defease With Ease service mark.

Revenue is generated primarily through professional services fees on a transaction-by-transaction basis. Defeasance engagements typically command $45,000–$65,000 excluding borrower counsel fees, with broker fees on the securities purchase side structured as transparent fixed fees of $1,500–$5,000. Additional fee streams come from interest rate cap and swap advisory, yield maintenance reports, successor borrower formation and ongoing entity maintenance, debt management subscriptions (Debt Scorecard, Performance Group), and emerging Lobby AI offerings. The company goes to market through direct enterprise field sales with dedicated deal management teams, supported by a referral network of CRE attorneys and brokers, formal partnerships with IREM, NAA, and BOMA, and a content-led digital presence anchored by thought leadership, case studies, and the calculator suite.

Name

Defease With Ease

Legal name

Thirty Capital, LLC

Website

https://defeasewitheasetc.com

Company type

Private

Founded year

2000

Headcount range

101–250 employees

Short description

Defease With Ease | Thirty Capital provides commercial real estate defeasance consulting, securities sourcing, and closing coordination for CMBS loan prepayments, serving mid-market CRE owners, brokers, and attorneys through proprietary pricing models and the Lobby AI platform.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Debt Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199), Loan Brokers (6163)

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

Keywords

• Commercial defeasance services
• CRE debt management
• Interest rate hedging
• Yield maintenance calculations
• CMBS prepayment consulting

Headquarters

HQ city

Charlotte

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Defeasance Consulting Services: Transaction-based fees for facilitating defeasance of commercial real estate loans. Services include preliminary cost analysis, servicer coordination, and transaction closing. Transaction costs typically range from $45,000 to $65,000 excluding borrower counsel fees.
2. Interest Rate Hedging Advisory: Fees for interest rate cap auctions, swap negotiations, and hedge analysis. Some products structured with fees embedded within hedging transactions; others charge up-front auction fees.
3. Yield Maintenance Calculations: Custom reports and calculations for yield maintenance penalty analysis. Fees for detailed analysis of loan documents and payoff amount verification.
4. Successor Borrower Services: Administrative and legal fees for successor borrower formation and ongoing entity maintenance through loan maturity.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Defease With Ease provides commercial real estate (CRE) defeasance consulting, securities sourcing, interest rate hedging advisory, yield maintenance calculations, and successor borrower services to facilitate CMBS loan prepayments and exits. The firm combines proprietary quantitative pricing models, live-trading data feeds, and a transaction-based consulting model to minimize borrower exit costs and manage debt portfolios for mid-market CRE owners, brokers, and attorneys.

Product overview

Defease With Ease | Thirty Capital is a commercial real estate debt management platform offering a comprehensive suite of services for mid-market CRE owners. The core offerings include defeasance facilitation, hedging advisory, debt management, yield maintenance analysis, and successor borrower services. The platform is backed by proprietary quantitative models and automation, integrating specialized AI capabilities through Lobby AI for analytics, financial modeling, and reporting. Supporting tools include a suite of Quick Quote calculators (Defeasance Calculator, Yield Maintenance Calculator, SOFR Cap Valuation Calculator, Life of Loan Calculator) and analytics modules like the Debt Scorecard and Forward Curves. The company operates as part of the Thirty Capital ecosystem, which includes subsidiaries and investments in related CRE technology, insurance, education, and operational services.

Differentiator

Problem solved

Functional benefit

Products and services

• Defeasance Services Core defeasance facilitation, calculations, and education for commercial real estate loans. Includes preliminary cost analysis, formal engagement with the borrower's servicer, securities portfolio structuring using proprietary pricing models and live-trading data feeds, and transaction closing for borrowers exiting CMBS loans.
• Hedging Advisory Interest rate hedging services including interest rate cap auctions, swap negotiations, forward-starting cap structuring, and ongoing monitoring of derivatives positions for CRE borrowers. Powered by proprietary technology and live market data feeds.
• Debt Management Comprehensive debt management including loan maturity planning, debt optimization, and refinancing strategies. Encompasses the Debt Scorecard monthly portfolio snapshot and interactive property performance assumptions for CRE portfolio owners.
• Yield Maintenance Yield maintenance calculation and analysis services providing custom reports to help borrowers evaluate and contest lender payoff numbers. Includes analysis of yield maintenance provisions in loan documents and verification of payoff amounts.
• Successor Borrower Services Successor borrower designation and ongoing entity maintenance through the Defeasance Holding Company (DHC). Provides streamlined processes, transparent residual calculations, and flexible payment options for borrowers defeasing CMBS loans. DHC entities have assumed over 10,000 loans with collateral portfolios totaling over $150 billion, returning more than $68 million to clients through residual payments.
• Lobby AI Finance-trained AI platform for commercial real estate providing real-time analytics, financial modeling, reporting, and portfolio metrics via dedicated AI agents. Includes a mobile app enabling CRE professionals to access portfolio data, generate reports, and test financing scenarios on the go.

Quantifiable outcome

• More than 10,000 commercial loans defeased since 2000 - industry high
• +3 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability6 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Institute of Real Estate Management (IREM)coreStrategic or Co-development Partner · 1 January 2022Launched an industry partnership to automate, standardize, and create the I/E IQ benchmark of operational performance in commercial real estate properties for IREM members.
• National Apartment Association (NAA)coreStrategic or Co-development Partner · 1 January 2022Launched an industry partnership to automate, standardize, and create the I/E IQ benchmark of operational performance in commercial real estate properties for NAA members.
• Building Owners & Managers Association (BOMA)coreStrategic or Co-development Partner · 1 January 2022Launched an industry partnership to automate, standardize, and create the I/E IQ benchmark of operational performance in commercial real estate properties for BOMA members.

Scale indicators7 records

Recent moves10 records

Expansion highlights6 records

Emerging players

• Cherre: CRE data platform providing portfolio analytics, underwriting, and AI-driven insights — emerging competitor to Thirty Capital's Lobby AI and Debt Scorecard offerings on analytics and portfolio intelligence for CRE owners.
• Trepp: CRE data, analytics, and research platform covering CMBS, CRE CLOs, and loan-level performance — comparable in providing proprietary analytics, models, and intelligence that support CRE debt decision-making similar to Thirty Capital's Lobby AI and Debt Scorecard.

Direct peers

• Berkadia Commercial Mortgage: CRE mortgage services platform owned by Jefferies/Leucadia that includes loan servicing and capital markets — directly overlaps with Thirty Capital on defeasance transaction coordination (Berkadia is also listed as a servicer in Thirty Capital's calculator).
• SitusAMC: CRE loan servicing, valuation, and advisory platform that works closely with CMBS servicers — comparable to Thirty Capital in supporting loan-prepayment processes, defeasance coordination, and CRE debt administration.

Broad incumbents

• Cushman & Wakefield: Global CRE services firm with capital markets, debt & equity financing, and investment sales capabilities — competes with Thirty Capital on CRE debt advisory and structured finance mandates.
• JLL Capital Markets: Global CRE investment banking and capital markets arm of JLL, including debt advisory, loan sales, and structured finance — directly competes with Thirty Capital's hedging advisory and debt-management work for CRE owners.
• Newmark Group: Global CRE services firm offering capital markets, investment sales, debt advisory, and loan servicing — overlapping with Thirty Capital's debt advisory and hedging work for institutional CRE owners.
• CBRE Capital Markets: World's largest CRE services platform with a full-service capital markets, debt & structured finance, and loan servicing business — broad incumbent overlap with Thirty Capital's debt advisory and CRE financial services offerings.
• Walker & Dunlop: Large CRE finance and multifamily lending platform with debt brokerage, capital markets, and investment sales — comparable to Thirty Capital's defeasance, hedging, and debt-management advisory for mid-market CRE owners.
• Eastdil Secured: CRE investment bank providing debt placement, structured finance, and capital markets advisory — comparable to Thirty Capital on large CRE debt advisory mandates for institutional owners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/DefeaseWithEase
• Facebookfacebook.com/defeasewitheasetc
• LinkedInlinkedin.com/company/thirty-capital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Defease With Ease