Finance

The Shareline and Launchpad solutions service different lender needs.

The Shareline solution gives you access to our proprietary systems and our funding lines. Allowing you to log into our Shareline Portal where you’ll be able to submit loan applications, obtain automated term sheets, manage work flows, and see a real time processing/closing check list.
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The Launchpad solution gives you everything the Shareline solution provides, while also delivering to you more robust support in the form of brand development, leads, and training
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LENDING CRITERIA
RESIDENTIAL (1-4 FAMILY)
MULTI-FAMILY & MIXED-USE
Max Loan to Value
80% (Purchase), 70-75% (Refinance) 80% (Purchase), 70-75% (Refinance)
Construction Financing
Up to 90% Up to 90%
Minimum Rates
8.5% (8.25% in California) 9% (8.75% in California)
Shareline Origination Fee
$500.00 $500.00
Yield Maintenance
3-6 Months 3-6 Months
Loan Term
12-24 Months 12-24 Months
Loan Size
$100,000 - $5,000,000 $100,000 - $5,000,000

Partnership Financials

The Economics of the Deal

Cost to Lender

  • Origination Fee:
    Shareline’s Origination Fee
    $500.00
  • Rate + Premium Split
    Shareline’s Interest rate
    Shareline’s Servicing Premium Split
    8.5%
    50/50
  • *For any interest rates charged to the borrower above 8.5%, the difference is split 50/50 between Lender and Shareline. The Servicing Premiums Split will be paid to Lender 7-10 business days after the loan has matured and been paid in full

Example

  • Loan Terms
    Loan Amount
    Origination Fee
    Annual Interest
    Loan Term
    $250,000.00
    $10,000.00 (4%)
    $31,250.00 (12.5%)
    12 Months
  • Shareline Economics
    Shareline Origination Fee
    Shareline Interest Rate
    Shareline Servicing Premium Split
    Shareline Total
    $500.00
    $21,250.00 (8.5%)
    $5,000.00 (12.5% - 8.5% = 4% * 0.5 = 2%)
    $26,750.00
  • Lender’s Economics
    Origination Fee
    $10,000 (4%)
    Shareline Origination Fee
    -$500
    Interest Rate Split
    (12.5% - 8.5% = 4%), (4%* .5 = 2%)
    $5,000 (2%)
    Total Revenue to Lender
    $14,500.00

Funding Capabilities

Loan Programs

LENDING CRITERIA
Bridge Loans
Mid-Term Loans
Residential Long Term Loans
*Jumbo Bridge Loans
*Portfolio Mid-term Loans
Asset Classes
Residential Multi-Family Mixed-Use Retail/office Residential Multi-Family Mixed-Use Residential Residential Multi-Family Mixed Use Retail/office Residential Multi-Family (Minimum 5 Properties Needed)
Term
12, 18, & 24 Months 24, 30, & 36 Months 3/1 Arm, 5/1 Arm, 7/1 Arm & 15/30 Year Fixed 12, 18 & 24 Months 5, 10, 20 & 30 Years
Loan Purpose
Cash Out, Partnership Buyout Bridge to Construction Rehab Ground Up Construction Cash Out, Partnership Buyout Bridge to Bank/Agency Loan Cash Out, Partnership Buyout Stabilization Cash Out, Partnership Buyout, Bridge to Construction Rehab and Construction Cash Out, Partnership Buyout Stabilization
Occupancy
None Required Residential – 100% Occupied 5+ Units – 75% Occupied Residential – 100% Occupied None Required (C/O Required) Overall – 75% Occupancy at Close and 1.20% DSCR
Loan Size
$100,000-5,000,000 $100,000-5,000,000 $100,000-5,000,000 $3,000,000-15,000,000 $250,000-20,000,000
Loan To Value
80% 75% 75% 75% 75%
Pre-Payment Lockdown
3-6 Months 3-6 Months 3-6 Months 3-6 Months 3-6 Months

FAQs

Frequently Asked Questions

As a Shareline lender you will be responsible for all processing, borrower relationships, all communications, document collection and preparation of all loan packages.
Anything above our floor origination fee (1.0%) will be paid to lender. You can earn 50% of the service premium above the floor rate (8.5%) for loans you originate (service premium is paid upon loan maturity and satisfaction).
Closing will be vested in the lender name and assigned to Sharestates at the closing table.
All vendors must be assigned from the Shareline approved list.
Once a loan is funded, the loan will be transferred to Sharestates or an approved 3rd party servicer for Sharestates. Borrower payments will be deducted from their approved bank accounts monthly via ACH.
If all guidelines are followed, you have no responsibility for the loan once it’s originated and sold.
Service Premium is paid at the end of the loan maturity when the loan is successfully repaid by the borrower.
Yes – Qualifying Shareline Lenders will need to maintain a $500,000 net worth.
You will be responsible for all processing, borrower relationships, all communication, document collection and preparation of all loan packages.
Closing will be vested in the lender name and assigned to Sharestates at the closing table.
All vendors must be assigned through Launchpad.
Depending on the loan program, the servicing agent will either be Sharestates or an independent third party.
If all guidelines are followed, you have no responsibility for the loan once it’s originated and sold.
The service Premium is paid at the end of the loan maturity when the loan is successfully repaid by the borrower.
No, all communication will be with the Launchpad client. We will not communicate with your borrowers, ever.

Getting Started

Follow our seamless 5 step process

Getting Started

Follow our easy 5 step process