Encore Finance provides private, cash‑flow‑driven loans for residential investment properties, underwriting based on rental income and DSCR rather than borrower credit. The platform offers bridge, rental, DSCR, and build‑for‑rent financing with flexible terms and funding in 5‑10 business days through an automated online portal and API integration for brokers. Revenue is generated from interest income and loan‑origination fees on each transaction.
Funding
Funding not disclosed
Founders
Product
Problem
Real estate investors often face slow approval cycles, rigid underwriting criteria, and limited loan structures from traditional banks, which can delay acquisitions, construction, or portfolio expansion. This financing friction reduces flexibility and hampers the ability to capitalize on time‑sensitive market opportunities.
Solution
Encore Finance offers private, cash‑flow‑driven lending tailored to residential investment properties across the United States. By evaluating property income streams rather than solely borrower credit, Encore can underwrite bridge, rental, DSCR, and build‑for‑rent loans with flexible terms and rapid funding timelines. The platform provides an online application portal that streamlines document collection and automates credit and underwriting workflows, enabling approvals in days rather than weeks. Borrowers receive a single point of contact and ongoing portfolio support, positioning Encore as a lifecycle financing partner for acquisition, construction, and long‑term hold phases. All loan products are delivered in compliance‑ready formats and can be integrated into broker workflows via secure APIs.
Target Audience
Primary customers are residential real estate investors, acquisition and development firms, and brokerage partners seeking fast, flexible financing for single‑family, multi‑family, and build‑for‑rent projects.
Features
- Cash‑flow‑based underwriting engine that evaluates rental income and DSCR metrics to determine loan eligibility.
- Suite of loan products: short‑term bridge, long‑term rental, DSCR‑structured, and build‑for‑rent financing for single‑family and townhome communities.
- Accelerated funding process with typical closings within 5‑10 business days, supported by automated document ingestion and e‑signature workflows.
- Flexible term structures, including interest‑only periods, customizable amortization schedules, and adjustable loan‑to‑value ratios.
- Dedicated relationship manager dashboard providing real‑time loan status, covenant monitoring, and portfolio analytics.
- Secure, cloud‑hosted loan portal with role‑based access, encryption, and compliance with state licensing requirements.
- API endpoints for broker platforms to submit applications, retrieve approvals, and integrate funding data into CRM systems.
- Post‑closing servicing tools for payment tracking, refinancing options, and portfolio re‑balancing support.