More Deals, Better Data
Connect with borrowers and deals that match your lending criteria. Get consistent deal packages and objective performance feedback on why you win or lose.
Apply to be a Lending PartnerWhy do hard money lenders use Harmonial to find qualified real estate investors & deals?
We focus on quality connections, and only get paid when you close. We inform data-driven improvements to your lending process and terms.
Success-Based Alignment
You only pay when you close. Our system pre-screens deals against your lending criteria. We charge half what most of your brokers do
Borrowers Arrive Pre-Aligned
Borrowers know your processing and underwriting parameters and have agreed to your initial terms. We provide all the info we can for a quick and informed close.
Win/Loss Data Learnings
Get objective data on why you win or lose and performance metrics to optimize your competitiveness.
Standardized Process
Receive deal information in your consistent, chosen format, making your initial review and underwriting more efficient.
How the partnership works
Set Your Criteria
Define your lending parameters, preferred contact format, and deal preferences.
Receive Matched Deals
Get notifications only for deals that fit your criteria, with standardized deal packages and all the info you need to get started.
Connect & Close
Give quotes, connect with borrowers who choose you, and have info and buy in to close more efficiently.
Acceptance Criteria
The market thrives with more participants. We work with lenders who serve it with honesty, integrity, and fair service. From there, borrowers choose the best partner for them!
Lender Requirements
- Actively funding hard money / real estate investment loans
- Committed to quick and transparent responsiveness
- Prioritize quoting accurately from the start (% of deals re-traded without substantive reason shared with borrowers)
- Excitement to improve as a lender based on our unique data insights we'll share
What We'll Capture
- Asset and loan types you focus on - fix and flip, DSCR, SF vs MF, etc.
- What you don't want - geo's, loan sizes, etc.
- Inquiry Data and format you need to give an initial quote
- Deal timing and processing/underwriting requirements
- Special program availability
Performance Insights
Get objective data to optimize your competitive position and deal flow quality.
You'll receive insights vs the market on:
- Quote acceptance rates
- Time-to-quote and close
- Difference makers between your quote and winner
- Borrower feedback and satisfaction scores
Common Questions
What does it cost to join the lender network?
There's no upfront cost to join. We operate on a success-based model—you only pay a referral fee when you close a deal sourced through Harmonial. Our fee is typically half what traditional brokers charge.
How are deals matched to my lending criteria?
During onboarding, you define your lending parameters including loan types, geography, loan sizes, and borrower requirements. Our system automatically matches you with deals that fit your criteria.
What information do I receive with each deal?
You receive a standardized deal package including borrower experience, property details, financials, and any supporting documentation—formatted consistently so you can evaluate quickly.
How do I get started as a lending partner?
Click 'Apply to be a Lending Partner' to submit your application. Our team reviews applications within 1-2 business days and will schedule an onboarding call if there's a fit.