What Gradient Mortgage Capital does

Gradient Mortgage Capital is a Fort Lauderdale-based private wholesale mortgage banking platform founded in 2025 that originates and funds DSCR (Debt Service Coverage Ratio) loans for 1-4 unit investor residential properties and Small Balance Commercial Real Estate (SBCRE) loans for stabilized income-producing commercial assets. Its core product stack comprises two programs—DSCR Loans ($100K–$3.5MM) and SBCRE Loans ($100K–$5MM)—with the SBCRE line further differentiated through the proprietary Summit Series documentation suite (Summit Core, Summit Statement, Summit Flex, and Summit Express) that accommodates borrowers across full-documentation, bank-statement, no-tax-return, and experienced-investor profiles. Supporting tooling includes dedicated real-time DSCR and SBCRE pricing engines that allow approved broker partners to model deal scenarios and generate instant loan estimates, with most approvals reportedly occurring within two business days.

The business operates as an affiliate of Saluda Grade, an alternative investment firm with $4.4 billion in assets under management as of December 31, 2025, providing balance-sheet backing and institutional infrastructure. Gradient Mortgage Capital is licensed as Gradient Mortgage Capital, LLC (NMLS ID #2747921), is a member of the Mortgage Bankers Association, and serves its market exclusively through a B2B wholesale channel—approved mortgage bankers and brokers nationwide submit loan scenarios for their investor clients. The company earns revenue via loan origination fees, interest income on funded loans, and Yield Spread Premiums (YSP) paid to broker partners, with fixed and adjustable-rate options, interest-only structures, and flexible prepayment terms across the product set.

Name

Gradient Mortgage Capital

Legal name

Gradient Mortgage Capital, LLC

Website

https://gradientmortgagecapital.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Gradient Mortgage Capital is a wholesale mortgage banking platform that originates DSCR and Small Balance Commercial Real Estate loans for investor residential and small-balance commercial properties, serving mortgage brokers nationwide as an affiliate of Saluda Grade.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Banking

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

CMBS Conduit Lending (FSALADAF)

Keywords

• Wholesale mortgage lending
• DSCR loan programs
• Small balance commercial loans
• Non-QM investor financing
• Private lending solutions

Headquarters

HQ city

Fort Lauderdale

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. Loan Origination and Funding: Gradient Mortgage Capital originates and funds DSCR and SBCRE loans through its wholesale broker platform. The company provides financing for investor residential (1-4 unit) and small-balance commercial properties, earning revenue through loan origination fees, interest income, and yield spread premiums (YSP) paid to brokers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Gradient Mortgage Capital originates DSCR loans for 1-4 unit investor residential properties and Small Balance Commercial Real Estate (SBCRE) loans for income-producing commercial assets, distributed exclusively through approved wholesale mortgage brokers and bankers nationwide. The platform is anchored by the proprietary Summit Series documentation suite offering multiple qualification pathways (Core, Statement, Flex, Express) and complemented by real-time DSCR and SBCRE pricing engines for broker scenario modeling.

Product overview

Gradient Mortgage Capital operates as a wholesale mortgage banking platform offering two core lending programs: DSCR Loans for 1-4 unit investor residential properties and SBCRE Loans for small balance commercial real estate. The SBCRE program includes the Summit Series suite of four proprietary products (Summit Core, Summit Statement, Summit Flex, and Summit Express) providing multiple documentation pathways for qualification. The platform is complemented by two pricing engine tools—the DSCR Pricing Engine and SBCRE Pricing Engine—that enable mortgage brokers to generate real-time loan estimates. The company operates as an affiliate of Saluda Grade and serves mortgage bankers and brokers nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Summit Series: The Summit Series is Gradient Mortgage Capital's proprietary suite of Small Balance Commercial Real Estate (SBCRE) financing solutions, including Summit Core (full-documentation), Summit Statement (bank statement solution), Summit Flex (no tax returns required), and Summit Express (streamlined path to financing for experienced investors).

Products and services

• DSCR Loans Debt Service Coverage Ratio loan program for 1-4 unit investor residential properties including single-family rentals, short-term rentals (Airbnb, VRBO), and 2-4 unit properties. Loan amounts from $100K to $3.5MM, fixed and ARM options up to 30 years, interest-only and flexible prepay structures available, with cash-flow-based underwriting that does not require tax returns, W-2s, or pay stubs.
• SBCRE Loans Small Balance Commercial Real Estate loans for stabilized income-producing properties including multifamily (5+ units), mixed-use, retail, office, warehouse, self-storage, mobile home communities, automotive, and restaurant properties. Loan amounts from $100K to $5MM with partial interest-only periods, fixed and adjustable-rate options, and flexible underwriting focused on asset performance.
• Summit Core Full-documentation SBCRE program within the Summit Series for borrowers with complete financials seeking competitive financing for stabilized, income-producing commercial properties.
• Summit Statement Bank statement solution within the Summit Series for owner-occupied borrowers whose business cash flow is best demonstrated through bank statements rather than traditional tax return analysis.
• Summit Flex SBCRE program within the Summit Series for real estate investors seeking financing based on property performance and operating history, without the need to provide tax returns.
• Summit Express Streamlined SBCRE financing path within the Summit Series for experienced investors with strong liquidity, leveraging appraisal-supported cash flow and market rents to simplify the financing process.
• DSCR Pricing Engine Real-time loan pricing calculator providing instant, dependent pricing insights for DSCR loans. Allows approved broker partners to model scenarios, structure deals effectively, and deliver estimates to clients quickly.
• SBCRE Pricing Engine Scenario-based pricing estimates for SBCRE opportunities. Evaluates deal structure early, guides borrowers with clarity, and provides insight into likely pricing, structure, and overall deal positioning for approved broker partners.

Quantifiable outcome

• Most broker approvals occur within two business days

Named customers2 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

Feature3 records

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Roc Capital: Roc Capital is a non-QM and DSCR-focused wholesale mortgage lender competing for the same broker-driven investor residential loan volume as Gradient's DSCR program.
• Visio Financial Services: Visio Financial Services provides non-QM and DSCR lending for real estate investors through a wholesale broker platform, directly overlapping Gradient's investor residential focus.
• Stronghill Capital: Stronghill Capital is a non-bank commercial real estate lender with a wholesale broker SBCRE platform; Gradient's CEO, COO, and multiple SVPs came from Stronghill, making it the most operationally comparable peer.
• Kiavi (formerly LendingHome): Kiavi is a tech-enabled private lender for real estate investors offering DSCR and bridge financing products through broker and direct channels, making it a direct competitor in investor residential lending.
• Verus Mortgage Capital: Verus Mortgage Capital is a non-QM investor lending platform with DSCR programs distributed through wholesale brokers, making it a comparable peer for Gradient's investor residential lending.
• Lima One Capital: Lima One Capital is a direct lender specializing in DSCR loans for single-family rental investors and small-balance commercial real estate, distributed through a wholesale broker channel - the closest comparable to Gradient's product mix and go-to-market model.
• Citadel Servicing Corporation: Citadel Servicing is a non-QM and SBCRE wholesale lender competing in the same small-balance commercial and investor residential segments as Gradient.
• Cherrywood Mortgage: Cherrywood Mortgage (formerly Cherrywood Commercial Lending) is a wholesale SBCRE lender serving small-balance commercial borrowers - the most direct comp to Gradient's SBCRE program and Summit Series.

Broad incumbents

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a broader non-QM and investor lending platform with a wider product range; it competes with Gradient in DSCR and SBCRE but also serves adjacent non-QM segments.
• NewRez / Shellpoint Mortgage Servicing: NewRez is a large mortgage lender offering non-QM and investor products through wholesale channels; while it serves a broader product set, it overlaps with Gradient in DSCR and small-balance commercial.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GradientMC
• Facebookfacebook.com/gradientmortgagecapital
• LinkedInlinkedin.com/company/gradient-mortgage-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 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 Gradient Mortgage Capital