Why We Built Harmonial

Every lender and loan program offers real estate investors different pro's and con's on every deal. Investors don't see all the options because it takes too much work to relay to multiple lenders. Calls, texts, emails, portals, repeating the same information, and hoping the "best" deal shows itself to you, and then actually closes!

You either manage a litany of lenders yourself... or accept whatever "your guy" will give you because its easiest even if its not the best. One is a pain in the neck, one risks leaving money and reliability on the table.

With the market fragmented into a different interaction with every lender, there's inevitably friction, inefficiency, and a lack of transparency. This means higher cost and effort for lenders to fund the deals they want, which also means higher cost and effort for borrowers.

A "bad" player on either side of the market can bounce around and "trick" new counterparts on the other side. And, a "good" player on either side of the market, doesn't get easily elevated and rewarded for it.

The right way to fix this is with one neutral system to feed transparency and efficiency in the market, automatically driven by data, with a layer of human relationship and expertise.

Lenders get the flow they want with lower costs in and friction in sales, marketing, processing, and UW. If they perform well for their clients in terms and service, that will show to the market and they will continue to be rewarded for it.

Borrowers see the best loans for them without extra work that takes them away from their real work. It's automatic matchmaking. They do the work once in Harmonial and get to work with whatever lender or loan type is best for them, right from one place. They are informed by objective, neutral data on each loan and lender's various pros and cons.

Both sides of the market get market driven feedback on what would lead to their desired outcome, and the whole market benefits and becomes more efficient. Harmonial helps make real estate investment loans a win-win, putting lenders and borrowers on the same team again.

Before building Harmonial, our team helped build and scale a national real estate lender. We worked with thousands of investor deals across fix-and-flip, bridge, and rental loans, originating $100's of millions per year.

We saw patterns repeat:

• Deals approved on paper but retraded late, the investors we loved saw worse service and deals
• Lenders were beholden to their capital providers (Wall St) first and foremost, meaning they couldn't be "borrower first"
• Borrowers stuck with one lender anyway because they're such a pain to switch, or spent way too much energy working multiple lenders for the right deal

The problem wasn't a lack of lenders and borrowers. It was that there was no central, efficient, and neutral platform that's job was to serve the market above all else, rewarding the best players on both sides with betters, faster deals.

What investors actually need is a way to:

• Do the work once and get every loan option
• Understand true cost and cash-to-close in one language across all deals
• Drive leverage as all lenders saw their qualified deal and competed to be the best lender for it
• Close confidently under deadline pressure, with back ups so there's no risk of one lender causing a fire drill

Harmonial was built to do exactly that — one application, clear comparisons, and a team that stays involved through closing with multiple lenders to back it up. See how it works.

Harmonial exists to give real estate investors leverage — not just financially, but informationally. One application, clear options, and a team that stays involved through closing.

Our goal isn't to push one product. It's to help investors choose the right option for each deal and close with confidence.