Four disciplines. One credit platform.
Loanetics is built around four operating disciplines — origination, credit, servicing, and capital markets — that together deliver institutional discipline at operator speed. Each is staffed by domain-trained talent and governed by written standards.
Deals flow because the right people are on the phone.
Direct sponsor coverage
Coverage bankers work directly with sponsors, family offices, and operators. Repeat borrowers reach a real underwriter within one business hour.
Broker & correspondent channel
An approved broker and correspondent channel routes qualified files with standardized submission packages and clear timing expectations.
Term sheet in 48 hours
Every complete file receives a written term sheet within 48 hours. Terms are honored — no last-minute repricing at closing.
Sector coverage
Multifamily, industrial, retail, office repositioning, hospitality, single-family renovation, land, adaptive reuse, and mixed-use — every strategy has a subject-matter underwriter.
Collateral-first underwriting. No exceptions.
Independent appraisal
Every loan is supported by an independent appraisal from an approved appraiser panel. As-is and as-completed values are reconciled against the business plan.
LTV & DSCR discipline
Strategy-specific LTV ceilings and DSCR floors are enforced without exception. The ceilings do not move when the pipeline is busy.
Sponsor diligence
Background, litigation, and prior-deal performance are reviewed. Sponsor experience is scored against the specific business plan.
Title, insurance, entity
Title is cleared, lender's policy issued, insurance is confirmed with lender endorsement, and borrowing entity documents are verified.
Credit committee
Every loan clears an internal credit committee with documented voting and rationale.
Monitoring, draws, and monthly discipline.
Inspected against progress
Construction and rehab draws are released only after third-party inspection confirms progress against the schedule.
Tax, insurance, interest reserve
Escrows are reconciled monthly and disclosed to borrowers on written statements.
Financial & operational
Financial and operational covenants are monitored with a defined remediation path if performance deviates.
Quotes in one business day
Payoff quotes are issued within one business day. Wires settle same-day where received before cut-off.
Direct workout desk
Where a business plan slips, an experienced workout desk works with the sponsor on a documented restructure.
Portfolio-level dashboards
LP reporting is refreshed quarterly with loan-level attribution, LTV, coupon, duration, and remaining term.
Warehouse, syndication, and secondary.
Warehouse lines
The platform maintains committed warehouse capacity for origination velocity. Warehouse counterparties operate under Loanetics-approved standards.
Syndication
Larger transactions are syndicated among Loanetics funds and select institutional partners under documented allocation rules.
Secondary trading
Selective secondary loan trading supports portfolio management, duration matching, and LP liquidity needs.
Co-investment
Institutional LPs may co-invest on qualifying transactions consistent with LPA allocation rules.