For banks
Banks receive deal flow screened against the programs they publish
A bank on YieldStack publishes its commercial, owner-occupied and construction programs, and only deals that clear those programs are shown to it. Every deal arrives pre-screened for bankability with a credit narrative attached, drawn from the same 20,000+ programs a borrower's single submission is screened against, with 5–8 matches on a typical deal. Banks respond with terms on the platform, and the deal team negotiates the file through closing.
- 20,000+loan programs in the screen
- 5–8matches on a typical deal
- Zero upfrontfor a borrower to submit
- 1 hourmedian first offer
What deal flow does a bank receive?
A bank sees deals that already clear the commercial, owner-occupied and construction programs it published, sized and structured for a relationship-driven credit box. The typical file is a stabilized, cash-flowing property or an owner-occupied premises with a sponsor who can carry full-recourse underwriting, not a distressed asset looking for a first taker.
YieldStack is a commercial mortgage brokerage, not a lender. A deal that does not fit a bank's published appetite is never sent to it. Restraint on volume is the product: a smaller, better-fitted queue is worth more than a large, unscreened one.
How are deals screened against the programs you publish?
A borrower describes the deal once, in a 5-minute submit, and that single file is screened against 20,000+ loan programs, with most deals returning 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. The screen runs the checks a bank's own credit committee would run first, on property, sponsor and business-plan factors, before a program is matched at all.
Deals stay anonymous before a letter of intent, so what arrives first is the file and the narrative around it, already packaged the way an underwriter reads it.
What does YieldStack never do with your program data?
A bank's credit box and published programs are used to route deals to it and for nothing else. They are never resold to competing banks or to appetite-intelligence services.
New lenders joining the network are vetted before they are added, so a bank quoting alongside others is quoting alongside a curated set rather than an open list.
How does YieldStack get paid?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
YieldStack is a commercial mortgage brokerage, not a lender. It does not originate loans or extend credit, and it takes no position in a deal it places. Every credit decision stays with the bank.
Frequently Asked Questions
How do you decide which deals to send a bank?
By the commercial, owner-occupied and construction programs the bank publishes. A deal is scored against those criteria before it is shown to anyone, and a deal that misses them is not sent.
Is our loan program data shared with other banks?
No. Program criteria are used to route deals to a bank and are never resold to competitors or to appetite-intelligence services.
Can any bank join the network?
No. New lenders are vetted before joining. Qualified banks expect deals from qualified borrowers, and the reverse, so the participating set stays curated.
Does YieldStack compete with the banks on the platform?
No. YieldStack is a commercial mortgage brokerage, not a lender. It does not originate loans or hold capital, and it takes no position in a deal it places.
What does a bank pay to receive deals?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing. The fee sits on the borrower's side of the closing, so it does not come out of a bank's pricing.
How does a bank respond to a deal?
With terms, on the platform. The borrower reads those terms beside the other offers on the same file, so the comparison happens on identical information.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
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YieldStack is a commercial mortgage brokerage, not a lender.