Proprietary origination for private credit & lending

Off-market borrowers that fit your criteria, before the broker.

We do not run ads or buy lists. We find borrowers who fit your criteria, reach them directly before anyone else does, and hand your desk a briefed conversation. Every borrower is exclusive to you, and you set the terms.

Book a working session → How it works

No lead networks · no resold lists · no shared book.

Off-market borrowerIllustrativeExclusive · yours
Business
IndustryCommercial HVAC
Revenue$890K / mo · verified
Time in business12 years
Capital need$3M asset-based line
SignalCovenant reset · Q4
Screened on your criteriaOne desk per lane
The problem

Why bought lending leads fall short.

Bought leads are contested, stale, and on the market the moment they exist. We originate borrowers no one else has reached, one desk at a time.

I · Contested

One borrower, shopped to the whole street

Aggregators sell the same inquiry to everyone who pays for it. By the time you reach the borrower, they have fielded a line of identical calls, and you are negotiating on price before you say hello.

II · Stale

Aged data with the dates filed off

The records were scraped or resold months ago. A good share has already borrowed elsewhere, and the interest it claims was never real.

III · On-market

On the market before you see it

A shopped deal is a bidding war. We reach the borrower before the broker does, while the terms are still yours to write.

What we fill

Built around the loans you write.

You set the criteria: geography, revenue floor, time in business, ticket, use of funds, and the loan types you write. We originate borrowers that fit, and screen every one before it reaches your desk.

Term loans
$50K – $2M
SBA 7(a) & 504
$150K – $5M
Working capital
$25K – $1M
Lines of credit
$50K – $3M
Asset-based lending
$250K+
Equipment finance
$25K – $2M
Invoice factoring
$50K+ / mo
Acquisition finance
$500K – $10M
Refinance & consolidation
Configured to your criteria
Commercial real estate
$500K – $15M
Revenue-based
$25K – $1M
Bridge & gap
$250K – $5M
The mechanism

It finds the borrowers, reaches them first, and runs every deal.

The Origination Desk is one system, built inside your firm and licensed to one lending desk per lane. When the engagement ends, you own it.

01 · Signal

It finds the borrower before they shop it

We read the signals a list cannot: refinancing walls, maturity windows, covenant pressure, a growth need before it is public. Every borrower is checked against your criteria before it reaches you.

02 · Reach

It reaches the borrower before the broker

We approach the borrower directly, in your name, before anyone shops the deal. We screen on capital, timing, and use of funds, then book a briefed call to your desk.

03 · Pipeline

It runs every deal after the first call

We track every deal after the first call. Borrowers who are not ready to borrow yet stay in your pipeline until they are, in one live Desk your team owns.

The record

Exactly what you get, for every borrower.

Every borrower we deliver arrives as a complete, screened record. No mystery data, and nothing you have to chase down.

We originate every borrower ourselves, off-market and in your name. Nothing is bought from a network or resold with a markup. You set the criteria, and every record is screened against it before it reaches your desk.

  • Originated by us, off-market. Every record comes from origination we run, not a shared lead network.
  • Verified where it counts. Revenue, time in business, and use of funds, checked before delivery.
  • Yours alone. Delivered to a single desk, tagged with a private reference, and shown to no other lender.
Borrower record · sampleIllustrative
Off-market origination · sole delivery
BusinessFounder-owned
IndustrySpecialty distributorWholesale trade
GeographyColumbus, OHMidwest
Time in business9 yearsIn range
Revenue$14M / yrVerified
Capital need$2.2M term refinance48 mo
SignalMaturity wall2027
Fit to your criteriaScreened91%
Ref · OP-7A31COne desk only
How it works

Three steps, and how long it takes.

What we run, what your desk does, and how long it actually takes. We would rather set the expectation than sell you speed we cannot deliver.

Step 01

Tell us your criteria

One working session: geography, revenue floor, time in business, ticket size, use of funds, and the exclusions you will not touch.

Step 02

We map and reach

We map the off-market borrowers that fit and reach them directly, in your name. This is where the weeks go, and it is the part no list can shortcut.

Step 03

Qualified borrowers land on your desk

Screened on your criteria, briefed, and booked. When they are real, not in seconds, and exclusive to your desk.

What you get

What comes with the engagement.

It all comes standard. We do not buy leads, we do not tier features, and we take nothing on the loans you close.

Exclusive, matched borrowers
Every borrower matches your criteria, delivered to one desk per lane, and never resold to another lender.
The full borrower record
Business, industry, verified revenue, time in business, capital need, use of funds, the signal we read, and a unique origination ID.
Screened before your desk
Capital, timing, use of funds, and fit, checked against your criteria before anything reaches you.
Your live Origination Desk
Every borrower and open deal in one pipeline your team works from, synced to your stack, and owns.
Booked, briefed conversations
A full borrower brief before every call, booked straight onto your desk’s calendar.
A dedicated senior operator
One operator owns your desk. No account layer, no hand-offs, no one to explain your criteria to twice.
Weekly reporting
Every approach, reply, and booked conversation, on the record, so you always know what is in flight.
Your side of the table
We originate and introduce. You underwrite and fund. No broker fee, and no comp on the loans you close.
The asset stays yours
The map, the method, and the Desk remain with your firm when the engagement ends.
The guarantee

Every borrower fits, or we make it right.

We screen every borrower on your criteria before it reaches you. If one still misses, we replace it or credit it, and there is no long-term contract keeping you here either way.

The fit guarantee
If a borrower we deliver lands outside the criteria we agreed, wrong geography, below your revenue floor or time in business, or outside your loan types, we replace it or credit it. No claim forms, no argument.
No long-term contract
Start with a short proving engagement, then continue month to month. No lock-in and no minimum term. You stay because the borrowers are worth it, not because a contract says so.
Fit check

Who this is a fit for, and who it isn’t.

We take one lending desk per lane and will not take your competitor. No borrower we originate for you is ever shown to another lender.

Best fit
  • +An established private credit or lending desk with capital to deploy
  • +You fund the deals you like, you just need more of the right borrowers in front of you
  • +You can work a steady flow of qualified borrowers as they arrive
  • +You want proprietary origination you own, not a refundable list
Not a fit
  • ×You need volume in the next 48 hours
  • ×You cannot act on borrowers as they land
  • ×You want a cheap list to churn, not proprietary origination
  • ×The economics do not support a senior, exclusive engagement
Straight answers

Questions, answered.

01Do you run ads?+
No. We originate borrowers directly, off-market, in your name. Nothing is bought, scraped, or resold. There is no ad account and no aggregator between you and the borrower.
02How fast is the first borrower?+
Weeks, not hours. A bought lead is instant because it was already for sale to everyone. A proprietary borrower takes time because we reach them before the market does. We build the map and the positioning first, then reach. If speed is the only thing that matters, we are the wrong call.
03Is there a guarantee or a contract?+
Every borrower is screened on your criteria before it reaches you. If one still lands outside the criteria we agreed, we replace it or credit it. There is no long-term contract: you start with a short proving engagement and continue month to month. What we do not do is sell a cheap list you churn and refund by the dozen; these are proprietary borrowers, reached in your name.
04Are you a broker?+
No. Not a broker, not a placement agent. We originate and introduce borrowers who fit your criteria, and stay strictly on your side of the table. You underwrite and you fund. We take no fee on the loans you close, and defer to your counsel on solicitation and disclosure.
05How is exclusivity guaranteed?+
One desk per lane. We will not take your competitor, and no borrower we originate for you is ever shown to another lender. Your criteria, your geography, and your mapped universe are yours alone.
06What can you originate for us?+
Term, SBA, working capital, lines of credit, asset-based, equipment, invoice factoring, acquisition, refinance, commercial real estate, and more, matched to your exact criteria. You set the geography, revenue floor, time in business, ticket size, and use of funds. We originate to it.
07What does it cost?+
Scoped to your criteria and lane, and shared on the working session. We anchor against what you already spend on BD hires and bought leads, and against the value of a single funded deal. There is no per-lead price, because we are not selling leads.
Book a working session

One desk per lane. See if yours is open.

We take one lending desk per lane. Grab a time and we will walk your criteria, your geography, and whether we can originate for you. If your lane is taken or we are not the right fit, we will tell you before you commit.