Expand Your Loan Offerings: Partner with a Private Lender

Let's begin with a tough reality: If you're only providing traditional loan products in 2025, you're leaving money on the table. Let’s say you have a commercial investor client who requires $1.5M to purchase a 12-unit apartment building. But when you review their financials, they don't meet the traditional lending box. Their income is non-traditional. The property requires repairs. The clock is ticking.

What happens next? If you can’t offer alternative solutions, that client walks straight to a competitor who can close the deal.

Here's the best part: Working with a private lender such as RCN Capital allows you to diversify your loan product offerings in an instant, without the expense of creating new programs yourself. In this blog, we're going to deconstruct exactly how this approach can help brokers such as yourself close more deals, collect higher fees, and develop client loyalty in 2025. Let's get started!

Understanding Private Lending

Private lenders work outside the mainstream banking sectors, providing alternative financing options. Private lenders issue loans with greater flexibility in terms, serving clients who don't fit traditional lending standards. This flexibility enables mortgage brokers to serve a wider client base with diverse financial requirements.

Why Expanding Your Loan Offerings Matters in 2025

First, let’s look at the numbers:

• 61% of real estate investors now use private lending for at least some transactions (National Association of Realtors, 2024)
• 43% of mortgage brokers say offering niche loan products increased their revenue by 25%+ last year (Mortgage Professional America)
• The private lending market is projected to hit $2.3 trillion in 2027 (IBISWorld)

Translation? Clients are increasingly seeking financing options that banks and credit unions can't (or won't) offer. By diversifying your loan product offerings through a private lending partnership, you emerge as a one-stop shop able to manage:

• Fix-and-flip projects
• New construction
• Multi-family properties
• Non-traditional borrowers (self-employed, foreign nationals, etc.)
• Properties needing major renovations

Benefits of Partnering with a Private Lender

1. Expanded Loan Products: Working with private lenders opens the door to a broader spectrum of loan products, including bridge loans, fix-and-flip loans, and loans for customers with non-standard financial situations. This diversification provides you with the ability to serve investors and customers looking for non-traditional lending options.
2. Increased Approval Rates: Private lenders tend to have more flexible underwriting criteria, resulting in greater approval rates for customers who may be rejected by conventional banks. This means more successful deals and happier customers.

1. Faster Closings: Private lenders usually provide faster loan processing and closing times, as short as 10 business days, which is important in competitive real estate markets where timing can make or break a deal.
2. Flexible Terms: Private lenders can customize loan conditions to meet unique client requirements, offering specialized solutions that mainstream lenders cannot provide.
3. Enhanced Client Relationships: By providing more comprehensive financing solutions, you establish closer relationships with clients, emerging as a diverse and capable broker.

How to Choose the Right Private Lending Partner

Not all private lenders are created equal. Look for a partner that offers:

• Diverse Loan Products: From fix & flip to new construction
• Broker-First Support: Dedicated account managers, co-branded marketing kits
• Transparent Fees: No hidden costs that eat into your commissions
• Technology Tools: Portals for real-time updates and document sharing

Why RCN Capital Checks Every Box:

• 15+ Loan Programs: Covering residential, commercial, and niche markets
• 10-14 Day Closings: Even for complex deals
• Broker Portal: Clients get 24/7 access to loan status updates
• No Overlap: We never compete with brokers for direct clients

Collaborating with a private lender can really take your mortgage brokerage's service levels to the next level, driving client satisfaction and business expansion. By offering flexible, varied, and effective financing options, you establish your brokerage as a one-stop-shop in the real estate loan market.

RCN Capital

The best way to save on a real estate investment is to obtain financing from a lender that can provide you with the best leverages and rates. RCN Capital lends to real estate professionals, commercial contractors, developers & small business owners across the nation. We provide short-term fix & flip financing, long-term rental financing, and new construction financing for real estate professionals. If you are looking to finance real estate projects, RCN Capital has competitive loan options and an award-winning broker referral program available to partners.

Contact us today to learn more about our loan programs and how we can support your business growth in 2025 and beyond.