About YieldStack
YieldStack is a commercial mortgage brokerage, not a lender. We do not lend our own capital and we do not make credit decisions; every credit decision is made by the participating lender. One submission is pre-screened for bankability and matched against 5,000+ loan programs, and a human deal team negotiates terms through closing. It was founded by two former Morgan Stanley professionals to replace slow, relationship-gated brokering with targeted, data-driven matching. The broker fee is 0.50–1.00%, paid by the borrower only at closing — $0 upfront.
What is YieldStack?
YieldStack is a commercial mortgage brokerage, not a lender. Borrowers submit a commercial real estate deal once (5-minute submit); the platform pre-screens it for bankability, matches it against 5,000+ loan programs from banks, credit unions, debt funds, and private lenders, and returns competing offers — median first offer in under an hour.
Every credit decision is made by the participating lender. YieldStack’s role is targeted matching, side-by-side offer comparison, and negotiation support from submission through closing, with a human deal team behind the software.
How is YieldStack different from a traditional mortgage broker?
A traditional broker works a personal rolodex — coverage is bounded by who they know, and borrowers wait on sequential phone calls. YieldStack matches against the whole program database at once and returns 5–8 program fits whose credit box the deal actually satisfies, so competition between offers, not a relationship, sets the terms.
The economics differ too: $0 upfront to submit and receive offers, with a success fee of 0.50–1.00% of the loan amount due only at closing.
What does the bankability pre-screen do?
Before any lender sees a deal, YieldStack runs the checks a lender’s own screen would run — property, sponsor, and business-plan factors — and packages a credit narrative that explains the deal before an automated screen can reject it. Deals stay anonymous to lenders until a letter of intent, so borrowers compare offers without shopping their identity around the market.
What kinds of deals does YieldStack handle?
Bridge and transitional financing, DSCR rental loans, ground-up construction, fix-and-flip, SBA, agency multifamily, and permanent debt — across multifamily, industrial, retail, office, self-storage, hospitality, and mixed-use properties nationwide. Complex business plans are matched inside the same program database rather than referred elsewhere.
Who built YieldStack?
YieldStack was founded by two former Morgan Stanley professionals to replace slow, relationship-gated brokering with targeted, data-driven matching. It is headquartered in New York, NY.
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