One Application.
Multiple Capital Solutions.
Submit one secure application and our capital desk matches your scenario to appropriate lending solutions nationwide. Additional information may be requested based on lender and program requirements.
Capital options across every scenario
Engineered for Execution
Traditional banks operate within rigid boxes. ILS operates as a capital solutions desk, helping borrowers, investors, brokers, and business owners access creative lending options through a broad network of lending sources.
Our process is designed to review your scenario, identify available financing paths, and help structure the deal for execution.
Built for the capital ecosystem
Real Estate Investors
Capital for acquisitions, rentals, flips, and portfolio scaling.
Business Owners
Working capital, expansion financing, and equipment funding.
Commercial Borrowers
CRE acquisition, refinance, and value-add capital structures.
Mortgage Brokers
Extend your shelf with non-QM, DSCR, commercial, and SBA options.
Realtors & Wholesalers
Help clients close with creative capital and bank-alternative paths.
Referral Partners
Attorneys, CPAs, and advisors submitting client opportunities.
Institutional Approach.
Why borrowers, investors, and referral partners work with ILS.
Nationwide Capital Network
Access lending options through a broad network of private lenders, banks, institutional capital providers, and specialty finance sources.
Multiple Capital Solutions
One scenario may qualify for several financing structures depending on borrower qualifications, collateral, and transaction goals.
Investor & Commercial Focus
Specialized experience with investment real estate, commercial property, business acquisition financing, and working capital solutions.
Complex Deal Experience
Experience reviewing scenarios that may fall outside traditional bank guidelines.
Relationship-Based Service
Dedicated support throughout the financing review, lender placement, and closing process.
A full spectrum of lending options
From investor real estate to operating business capital — structured through a nationwide network of institutional and private lending sources.
DSCR Rental Loans
Cash-flow qualified financing for rental property investors.
Fix & Flip Loans
Short-term capital for acquisition and renovation projects.
Bridge Loans
Transitional financing to bridge timing gaps on deals.
Commercial Real Estate Loans
Acquisition and refinance options for CRE assets.
Multifamily Loans
Capital solutions for 5+ unit residential properties.
SBA 7(a) & 504 Loans
Government-backed financing for qualified businesses.
Business Acquisition Financing
Capital to acquire or expand operating businesses.
Working Capital
Liquidity solutions to support ongoing operations.
Equipment Financing
Capital to acquire essential business equipment.
Portfolio Loans
Aggregated financing across multiple properties.
Construction Loans
Funding for ground-up and value-add construction.
Private Lending Solutions
Flexible private capital for non-conventional scenarios.
From Scenario to Strategy
Submit Your Deal
Complete a streamlined loan scenario form.
ILS Reviews the File
We evaluate borrower profile, collateral, loan purpose, credit, income, liquidity, and exit strategy.
Capital Match
We compare your scenario against available lending options.
Terms & Execution
We help present available options and support the process toward approval and closing.
A direct conduit to specialized capital
No application fees are charged by ILS. Third-party lender, appraisal, title, legal, or closing costs may apply depending on the transaction.
Submit opportunities. Earn alongside ILS.
Mortgage brokers, Realtors, attorneys, CPAs, wholesalers, and business brokers partner with ILS to route client scenarios into a nationwide lending network — extending the capital options you can deliver without expanding your own desk.
- Mortgage Brokers
- Realtors
- Attorneys
- CPAs
- Wholesalers
- Business Brokers
Route a single scenario through ILS's nationwide network of banks, private lenders, SBA providers, DSCR lenders, bridge lenders, commercial lenders, and specialty finance sources.
Estimate payments. Identify capital paths.
Loan Estimator
View Amortization Schedule▾
| Year | Principal | Interest | Ending Balance |
|---|---|---|---|
| 1 | $3,780 | $42,355 | $496,220 |
| 2 | $4,114 | $42,021 | $492,106 |
| 3 | $4,478 | $41,657 | $487,629 |
| 4 | $4,873 | $41,261 | $482,755 |
| 5 | $5,304 | $40,831 | $477,451 |
| 6 | $5,773 | $40,362 | $471,678 |
| 7 | $6,283 | $39,852 | $465,395 |
| 8 | $6,839 | $39,296 | $458,557 |
| 9 | $7,443 | $38,692 | $451,114 |
| 10 | $8,101 | $38,034 | $443,013 |
| 11 | $8,817 | $37,318 | $434,196 |
| 12 | $9,596 | $36,539 | $424,599 |
| 13 | $10,445 | $35,690 | $414,155 |
| 14 | $11,368 | $34,767 | $402,787 |
| 15 | $12,373 | $33,762 | $390,415 |
| 16 | $13,466 | $32,669 | $376,948 |
| 17 | $14,656 | $31,478 | $362,292 |
| 18 | $15,952 | $30,183 | $346,340 |
| 19 | $17,362 | $28,773 | $328,978 |
| 20 | $18,897 | $27,238 | $310,082 |
| 21 | $20,567 | $25,568 | $289,515 |
| 22 | $22,385 | $23,750 | $267,130 |
| 23 | $24,363 | $21,771 | $242,766 |
| 24 | $26,517 | $19,618 | $216,250 |
| 25 | $28,861 | $17,274 | $187,389 |
| 26 | $31,412 | $14,723 | $155,977 |
| 27 | $34,188 | $11,946 | $121,789 |
| 28 | $37,210 | $8,925 | $84,578 |
| 29 | $40,499 | $5,636 | $44,079 |
| 30 | $44,079 | $2,056 | $0 |
This estimate is for educational purposes only and reflects approximate principal and interest payments. It may not include taxes, insurance, escrows, reserves, lender fees, closing costs, prepayment penalties, balloon payments, interest-only periods, or other transaction-specific costs. Actual terms depend on lender underwriting, borrower qualifications, collateral review, and program availability.
Capital Pathfinder
Answer six quick inputs to identify potential financing categories that may fit your scenario.