Following the 2008 housing crisis, borrowers–especially real estate investors–have been subject to harsher loan approval processes. With expanded governmental and institutional oversight and heftier approval requirements, consumer mortgages have become too time-consuming, resource-depleting, or even completely unattainable for investors.
That is why many real estate entrepreneurs turn to private brokerage firms and third-party originators (TPOs) to fulfill their financing needs. With fewer regulations and more freedom, the private lending industry provides the speed and flexibility to help investors succeed in a highly competitive real estate market.
The power to approve more loans and expand clientele is an unparalleled tool for private brokers looking to outpace the competition and grow their business. However, taking on more loans requires structured, reliable, and adequate capital. To maintain growth and avoid missed opportunities to scale, white-label real estate brokerage partnerships can boost broker loan origination.
That is why many real estate entrepreneurs turn to private brokerage firms and third-party originators (TPOs) to fulfill their financing needs. With fewer regulations and more freedom, the private lending industry provides the speed and flexibility to help investors succeed in a highly competitive real estate market.
The power to approve more loans and expand clientele is an unparalleled tool for private brokers looking to outpace the competition and grow their business. However, taking on more loans requires structured, reliable, and adequate capital. To maintain growth and avoid missed opportunities to scale, white-label real estate brokerage partnerships can boost broker loan origination.
What is White Label Real Estate?
White-label real estate brokerage funding, or white-label lending, is a form of table funding. A table-funded loan is a loan from one lender intended to fund another lender’s loan at closing. In a white-label lending transaction, the lender named in the loan document is different from the actual capital provider for the loan.
White-Label Brokerage Example
In essence, white-label real estate brokerage funding works like this:
- A borrower (real estate investor) applies for a business purpose loan for a fix and flip investment project with a private lender (TPO). The TPO represents itself as the capital lender to the borrower.
- Then, the TPO brings the loan to a white-label broker, meaning another lender who offers table funding and is willing to bankroll the TPO’s loan.
- On the surface, the TPO is fulfilling the due diligence as the lender, while the white-label broker provides the capital for the borrower’s loan.
While in most cases, the TPO is still responsible for the underwriting and drafting of loan documents, some white-label brokerage firms, like CIVIC, offer expert services to handle all operational and transactional aspects of the loan process, including:
- Loan underwriting
- The overseeing and drafting of vital loan documents
- Wire transfers
- Loan servicing
- Construction draw approvals and releases
White-label lenders like CIVIC work entirely behind the scenes, enabling TPOs to maintain an aura of authority and professionalism with their clients while focusing on what they do best–finding profitable lending opportunities and partnerships.
Other Benefits of White-Label Real Estate Brokerage through CIVIC
CIVIC’s white-label lending program provides the financial tools and operational structure to scale and succeed in the private lending market. Let’s look at some of the key advantages of white-label funding for TPOs:
- Resources: With over 10 years of experience and a team of industry and loan origination experts, TPOs gain a structured and heavily resourced capital partner helping navigate the complexities of real estate lending–reducing loan processing times and minimizing risks.
- Balance-sheet-lite: With a white-label real estate brokerage partner, TPOs are able to remain balance-sheet-lite while originating loans with little to no cash.
- Brand enhancement: With access to more capital and the ability to originate with little cash, TPOs can expand reach and reputation exponentially–leading to greater opportunities and market share.
- Time savings: With CIVIC handling all operational and capital components of the loan process, TPOs have more time to network, market, and provide a better service to clients.
CIVICs White-Label Real Estate Software & Services
Brokers and TPOs looking to expand their business trust in CIVIC and its broker and white-label lending programs to gain the reputation, structure, and capital necessary to become a heavy-hitter in the real estate investment market. Clients within the broker program attain access to our CIVIC Broker portal. There, they can utilize the latest technology in real estate to simplify and streamline loan underwriting, submission, servicing, and approval processes.
Additionally, CIVIC’s white-label real estate brokerage clients have access to free marketing materials, including:
Additionally, CIVIC’s white-label real estate brokerage clients have access to free marketing materials, including:
- Product tear sheets
- Product overview brochures
- Print flyers
- Social media ads (square and rectangle format)
- Special campaign/promo ads
All marketing materials have customizable options, enabling clients to brand resources (brochures, flyers, PDFs, and social media ads) within the portal or via Canva. Our white-label marketing materials provide the tools and resources for clients to expand visibility and enhance their professional look and appeal.
This, along with CIVIC’s anonymous table-funding approach, helps brokers of any size to quickly assert and grow their visibility within the private lending market. With a structured approach and reliable financing, our clients can take on more opportunities while building meaningful and profitable relationships with investors.
This, along with CIVIC’s anonymous table-funding approach, helps brokers of any size to quickly assert and grow their visibility within the private lending market. With a structured approach and reliable financing, our clients can take on more opportunities while building meaningful and profitable relationships with investors.
Scaling Your Brokerage Firm with White Label Lending
CIVIC’s Broker White-Label Real Estate program is the missing piece for private lenders looking to expand their investor clientele and business loan opportunities, even if they lack adequate structure and financing. We have the tools, resources, and expert insights to help you build relationships and authority within the real estate market.
And, unlike strict and heavily regulated traditional lenders, CIVIC offers some of the most reliable, accessible, and fast business loan options on the market. With more freedom, less bureaucracy, and greater loan processing speeds, our investment-friendly lending options provide brokers and investors with the operational and financial vehicles to outpace the competition. In addition, our white-label lending flexibility helps lenders tailor funding options that attract valuable investment opportunities. This cultivates successful business partnerships.
We provide:
And, unlike strict and heavily regulated traditional lenders, CIVIC offers some of the most reliable, accessible, and fast business loan options on the market. With more freedom, less bureaucracy, and greater loan processing speeds, our investment-friendly lending options provide brokers and investors with the operational and financial vehicles to outpace the competition. In addition, our white-label lending flexibility helps lenders tailor funding options that attract valuable investment opportunities. This cultivates successful business partnerships.
We provide:
- Fix and Flip Loans
- Ground-Up Construction Financing
- 1 – 4 Unit Bridge Loans
- Rental and Rental Portfolio Loan Options
CIVIC’s industry knowledge and loan processing structure simplify all loan processing steps (underwriting, documentation, servicing, approvals) freeing our brokerage clients up to focus on their most valuable asset–their clients.
Our team’s industry knowledge, capital, broker program, and white-label real estate marketing materials equip you with the resources to originate more loans with little to no cash–fast–while enhancing brand visibility. If you want to learn more about CIVIC’s Broker and White-Label real estate brokerage program, click here.
Ready to scale your mortgage business with one of the most trusted and reliable capital providers on the market? CLICK HERE to get in touch with a CIVIC expert today.
Our team’s industry knowledge, capital, broker program, and white-label real estate marketing materials equip you with the resources to originate more loans with little to no cash–fast–while enhancing brand visibility. If you want to learn more about CIVIC’s Broker and White-Label real estate brokerage program, click here.
Ready to scale your mortgage business with one of the most trusted and reliable capital providers on the market? CLICK HERE to get in touch with a CIVIC expert today.
