Lending Desk · AI lending agent

The lending desk that never misses a lead

An AI lending desk for non-bank lenders and broker networks. It answers every borrower and broker in seconds, in five languages, qualifies the deal against your lending box and hands your account executive a complete file.

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Residential and commercial · Hard money to commercial permanent · Live at lendingdesk.app

The problem

A borrower who waits an hour calls the next lender.

Private-lending deals move on days, not weeks. Inquiries arrive at night, on weekends and in Spanish or Persian, while account executives are on the phone or asleep. By the time someone calls back, the borrower has a term sheet from someone else — and the lender never even sees which leads it lost.

What it does

Everything between the first question and the term sheet

24/7 chat and voice
Borrowers and brokers get a knowledgeable answer in seconds, at night, on weekends and on holidays — by typing or by talking.
Five languages
English, Spanish, Persian, German and Chinese, switching mid-conversation. The account executive always receives the file in English.
A voice that listens
It hears when a caller is stressed, embarrassed or rushed, slows down, reassures and never pressures. People looking for money are often at a hard moment.
Deal qualification
Three to five sharp questions per program, then an instant check against the lender’s states, loan limits and leverage — loan-to-value, loan-to-cost and loan-to-ARV.
Live market rates
Prime, SOFR, Treasuries and mortgage averages refreshed daily from the St. Louis Fed, with typical private-lending ranges. Never a quote.
Routing and urgent flags
Every lead is scored and routed to the right account executive by email. A closing in jeopardy jumps to the top.
Broker embed code
One line of code puts the desk on any partner’s website, and every lead is tagged to the partner who sent it.
Admin built on math
Weighted pipeline, expected fees, conversion funnel, response-time percentiles, close rate with confidence intervals and partner performance.
Compliance guardrails
AI disclosure, consent captured only by checkbox, no rate quotes, no Social Security or account numbers, and full transcripts on every lead.
What makes it different

Built by someone who works in lending

It reads the deal, not just the lead
A fix-and-flip gets asked about ARV and rehab budget, a DSCR loan about rent, a bridge loan about the exit. The desk does the math on leverage before anyone picks up the phone.
Every broker becomes a channel
Partner brokers paste one line of code and the desk works on their site too. The dashboard shows which partners send business, what closes, and what each one is worth.
Numbers you can defend
Pipeline is weighted by stage probability, close rates come with confidence intervals, and every formula is printed on the page. No vanity metrics.
Pricing

Set up for your lending box

Each desk is configured for the lender’s states, programs, loan limits and account executives, branded, and launched on the lender’s own domain in about four weeks. Pricing depends on volume and setup — book a demo and we’ll walk through it.

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FAQ

Questions about Lending Desk

What is Lending Desk?
Lending Desk is an AI lending desk for non-bank lenders and broker networks. It answers borrowers and brokers 24/7 by chat and voice in English, Spanish, Persian, German and Chinese, asks the right questions for each deal, checks it against the lender’s lending box, and routes a complete deal file to the right account executive. It runs at lendingdesk.app.
Which loans does it handle?
Residential and commercial real estate loans of all types: hard money, fix-and-flip, bridge, ground-up construction, DSCR rental, bank-statement, commercial bridge and commercial permanent loans.
Does it quote rates or approve loans?
No. It shares live benchmark rates and typical market ranges, and it always says it is an AI assistant. Rates, terms and approvals come only from the lender’s team after underwriting.
How do brokers and partners use it?
Each partner pastes one line of code on their own website. A Lending Desk button appears, and every lead it captures is tagged to that partner in the lender’s dashboard.
How long does it take to set up?
About four weeks from kickoff: the lender’s states, programs, loan limits and account executives are configured, the desk is branded, tested on a private link, and launched on the lender’s own domain.

See it answer a real deal

Ask Lending Desk about a bridge loan, by text or by voice, in any of its five languages.

Try Lending Desk →