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Kaizen Apps

Business · Finance

Private Lending Deal Desk

Size private and hard-money loans from the lender's side.

Coming soonNot yet released in app stores

Private Lending Deal Desk is in development and has not been released yet. Its website and store listing will be linked here as soon as they are live.

Overview

Private Lending Deal Desk is an iPhone app for sizing private and hard-money loans from the lender's side. Enter the deal and your lending limits, and it shows the maximum supportable loan, exactly which limit binds it, and what the loan structure costs.

It works out the rehab holdback, initial advance and borrower equity, then points, lender fees, interest reserve and the borrower's estimated cash at closing. Lending programs can be saved and reused, and any deal can become a one-page preliminary quote PDF.

Who it’s for
Hard-money, private and bridge lenders, loan officers and brokers, and fix-and-flip and BRRRR investors who want to understand how lenders size a loan.
The problem it solves
A private loan is limited by several tests at once (loan-to-value, loan-to-cost and loan-to-after-repair-value), and the tightest one decides the amount. Working through each test, then pricing points, interest and holdbacks, has to be repeated for every deal.

Key capabilities

  • Maximum loan from As-Is LTV, LTC and LTARV limits, side by side
  • The binding constraint, including ties, and an instant check of a requested loan amount
  • Rehab holdback, initial advance and borrower purchase equity
  • Points, lender fee, interest reserve and estimated borrower cash at closing
  • Reusable lending programs and saved deals
  • A one-page preliminary quote PDF with your company details
  • Works offline, with no account, ads or tracking

Screenshots

  • Results screen showing the maximum loan and the binding constraint
  • Lending limits compared side by side
  • Points, interest and borrower cash at closing

Calculations are estimates based on the information entered. The app does not provide legal, tax, lending, underwriting or compliance advice, and it does not originate, approve or guarantee any loan.

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