For life companies
Life companies receive deal flow matched to long-duration lending programs
A life company on YieldStack publishes its commercial, industrial and net-lease 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. Life companies respond with terms on the platform, and a human deal team carries 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 life company receive?
A life company sees deals that already clear the commercial, industrial and net-lease programs it published, sized for a conservative, long-duration credit box. The typical file is a stabilized, best-in-class asset with a durable income stream, such as a credit-tenant net-lease building or a well-located industrial property, rather than a transitional or lease-up deal.
YieldStack is a commercial mortgage brokerage, not a lender. A deal outside a life company's stabilized, low-leverage appetite is never sent to it, so review time goes to files that already match the balance sheet it is deploying.
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 life company's own credit desk would run first, on property, sponsor and business-plan factors.
Deals stay anonymous before a letter of intent, so what arrives first is the file and the narrative around it, packaged the way a conservative underwriting desk reads it.
What does YieldStack never do with your program data?
A life company's credit box and published programs are used to route deals to it and for nothing else. They are never resold to competing insurers or to appetite-intelligence services.
New lenders joining the network are vetted before they are added, so a life company quoting alongside others is quoting alongside a curated set.
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 life company.
Frequently Asked Questions
How do you decide which deals to send a life company?
By the commercial, industrial and net-lease programs the life company publishes. A deal outside those low-leverage, stabilized criteria is not sent.
Is our loan program data shared with other life companies?
No. Program criteria are used to route deals to a life company and are never resold to competitors or to appetite-intelligence services.
Can any life company join the network?
No. New lenders are vetted before joining. Qualified life companies expect deals from qualified borrowers, and the reverse, so the participating set stays curated.
Does YieldStack compete with the life companies 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 life company 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 life company's pricing.
How does a life company 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.