Tuesday, May 5, 2026

A Publication For Loan Officers

The Elite Officer

Vol. 1

Lyra by Forecasa

Innovation

Forecasa Introduces Lyra: The AI Assistant Built for Private Lending Intelligence

April 30, 2026. The private lending market moves fast. Lenders are gaining share in new geographies overnight. Borrowers are working with multiple capital sources simultaneously. Market conditions in Phoenix bear no resemblance to what’s happening in Charlotte. And the intelligence you need to act on all of it has historically been buried inside spreadsheets, title data exports, and proprietary query tools that require a data team to operate. Forecasa built Lyra to solve exactly that problem — and the result is something the private lending and alternative real estate market hasn’t seen before: a purpose-built AI assistant that connects natural language questions directly to the most comprehensive private lending dataset in the country. “Who are the most active DSCR lenders in Phoenix this year?” — That’s all it takes. Lyra returns ranked results, trend charts, and exportable data. No dashboard. No query. No waiting. What Lyra Is — and What Makes It Different Lyra is not a general-purpose chatbot bolted onto a data product. Lyra is a domain-specific AI assistant trained to understand the language, workflows, and analytical patterns of private and alternative real estate lending. It knows what a bridge loan is. It understands the difference between a grantor and a grantee in a recorded transaction. It can parse DSCR lending from fix-and-flip activity, identify lender concentration patterns, and surface borrower overextension risk, all from a conversational prompt. That specialization is what separates Lyra from any horizontal AI tool. Generic AI gives you prose. Lyra gives you data-backed, structured outputs — rankings, trend charts, entity breakdowns, and exportable datasets — grounded in Forecasa’s nationwide title and transaction record coverage. Private lending native Nationwide coverage Structured outputs No technical skills required Real-time iteration Core Capabilities Market intelligenceTrack lending activity, volume trends, and acceleration patterns by MSA, county, or state — before others see the shift.Borrower & lender profilesAnalyze repeat borrowers, relationship networks, and cross-lender activity patterns at the entity level.Competitive awarenessIdentify which lenders are gaining share, entering new markets, or pulling back. Know who’s moving and where.Loan type segmentationCompare bridge, fix-and-flip, DSCR, and ground-up construction activity across any geography and timeframe.Risk signalsSurface early indicators of market stress, borrower overextension, and geographic concentration risk.Export-ready outputsRanked tables, trend charts, and downloadable datasets — structured results you can act on immediately. How Teams Actually Use Lyra The real power of Lyra becomes clear in a real workflow. A capital markets team kicking off their morning review doesn’t open a dashboard and click through filters — they open Lyra and ask. A strategy analyst preparing for a board presentation pulls lender growth rankings for the past four quarters without touching a spreadsheet. An originations lead wants to know who the most active repeat borrowers are in a target county — and has a prospect list in minutes. Lyra supports a fluid workflow: start broad, narrow to targets, validate patterns, then export and act. Every follow-up question builds on the last, with full conversational context maintained throughout the session. Example Lyra Prompts “Who are the top private lenders in Cook County in the last 12 months by volume?””Show monthly trends for bridge lending in Phoenix — count and volume.””Which lenders are growing fastest year-over-year in South Florida?””Compare DSCR vs bridge lending activity in Dallas this year.””List the most active repeat borrowers in Los Angeles County recently.””Find lenders active in both Tampa and Orlando and export the list.” Available on Every Nationwide Plan — With Lyra Max for Power Users Lyra is built into every Forecasa National and Enterprise plan, so every team member gets natural language access to market data from day one — no additional setup, no separate license. LocalUp to 5 statesLyra AI not included Most PopularNationalNationwide coverageLyra AI included EnterpriseFull access + APILyra AI included For teams that rely on AI-driven exploration every day, Lyra AI Max takes things further: higher query limits, deeper analytical capabilities with extended context, and priority processing for faster response times. For Claude Users: Forecasa’s MCP Connector Forecasa x Claude — MCP Connector For teams already working in Anthropic’s Claude ecosystem If your organization is already using Claude by Anthropic as part of your AI workflows, you don’t have to choose between tools. Forecasa offers a native Model Context Protocol (MCP) connector that brings Lyra’s full analytical capabilities — market queries, lender rankings, borrower activity, trend analysis — directly into your Claude environment. Power users can run multi-layered private lending analyses alongside their existing Claude-powered workflows, combining Forecasa’s proprietary dataset with Claude’s reasoning and writing capabilities in a single, seamless session. It’s the same Lyra intelligence, accessed through the AI interface your team already knows. The Bigger Picture The private lending industry has always had a need for better data. What it hasn’t had is a way to make that data conversational — accessible to every member of a team, on demand, without a technical intermediary. Lyra closes that gap. It is not a feature. It is a fundamentally different way to work with private lending intelligence. For lenders looking to expand into new markets, capital providers assessing concentration risk, investors hunting active deal flow, and brokers building prospect lists — the question is no longer “how do I get this data?” It’s simply: ask Lyra. See what Lyra can find in your market Schedule a demo and ask your first real question — live.forecasa.com/demo

By adm1n_2411

Kevin Kim

Insights

Interview | Fund Formation 101: The Graphics-First Guide Is Here

In a market where capital is becoming more selective, structures are under greater scrutiny, and institutional expectations continue to rise, launching a fund is no longer just a growth strategy—it’s a structural decision that can define the future of a lending platform. At the same time, many private lenders are asking the same question: Is it time to build a fund? And if so, how do you do it the right way? To address this, Kevin Kim, Partner at Fortra Law, has released Fund Formation 101: Structuring a Fund for Success—a practical, graphics-first guide designed to simplify one of the most complex transitions in private lending. We sat down with Kevin to understand why this guide comes now, what lenders are getting wrong, and what actually matters when building a fund that works long term. Download the Guide The Interview Uriel Fleicher: Kevin, let’s start with the obvious question—why this guide, and why now? Kevin Kim: Great question. First, there’s a lot of bad information about fund formation out there by inexperienced, non-experts – and we felt the need to continue our push for more education that is industry specific and tactically minded. Second, I firmly believe in the private lender’s business blueprint should include a balance sheet strategy. And naturally, that leads many lenders to consider launching a fund. The problem is—they’re making that decision without fully understanding what a fund actually is, structurally and operationally. Or they are receiving guidance from so-called experts that do not have the current specific expertise or precision in this highly nuanced industry. So the goal of this guide was to create something practical, something that simplifies the core decisions and avoids common mistakes. Uriel: You mention something in the guide that I think is key—you say a fund is not a note program. That confusion seems more common than people realize.Kevin: Exactly. And it’s one of the biggest misconceptions. A fund is a portfolio vehicle where investors buy equity interests, typically structured through an LP/GP model—not a product where you’re issuing notes or debt instruments to investors. Both are considered securities offerings – but the key distinction is that a fund puts you in a better position to obtain a warehouse line of credit and allows the fund to share in profits re: loan sales, REO profits, and so on. Securities offerings do present meaningful concerns regarding compliance, strategy and best practice – so its important you take a precision approach. Uriel : So when someone comes to you saying, “I want to start a fund,” is that actually the right starting point? Kevin: Honestly? Not always. A fund should solve a capital problem, not create an operational one. Your business needs to sustain it. So if you don’t have consistent deal flow or you are unable to raise the money, it’s not the right fit for you. Furhter, you should be prepared to take on a new business line. if you’re not ready to handle the added burdens of investor reporting, investor relations, accounting, compliance, and ongoing communication—you’re probably not ready yet. Uriel: That’s interesting—because externally, having a fund is often seen as a sign of maturity or growth. Kevin: It is—but only when it’s built correctly. There’s a tendency to think: “If I build a fund, I’ll unlock capital.” The reality is: You unlock capital when you build trust, structure, and operational discipline. A fund amplifies what you already are. If your foundation is weak, it will expose that very quickly. On Structure: Decisions That Define Everything Uriel: Let’s talk structure. One of the things I liked about the guide is how clearly you break down choices like open-ended vs. closed-ended funds. Kevin: That’s one of the most important decisions. In credit-focused strategies, open-ended funds are common because they align with ongoing lending activity. In real estate, closed-ended funds tend to make more sense because of longer hold periods and it addresses the ever changing net asset value of the portfolio. But more importantly—it’s not about preference, it’s about alignment with the underlying assets. This doesn’t mean closed ended funds are not a fit for lenders. We find that many lenders who do longer term loans or higher risk loans benefit for closed end funds because they are less concerned regarding liquidity fights. Uriel: And what happens when that alignment is off? Kevin: That’s when you run into problems—especially around liquidity. For example, if you offer redemption flexibility but your assets are illiquid, you create pressure on the fund. That’s where you start seeing things like gates, redemption restrictions, or investor friction. Compliance & Capital Raising Reality Uriel: Another key section is around securities exemptions. From your experience, is this where most lenders get it wrong? Kevin: Yes and often very early. The exemption you choose depends on two things: Who your investors are Whether you plan to market publicly Most emerging managers end up using Regulation D structures, but even within that, the difference between 506(b) and 506(c) has real implications on how you raise capital. Uriel: So this isn’t just a legal decision—it’s a business strategy decision. Kevin: Exactly. It directly impacts your growth model. The Mistakes That Hurt the Most Uriel: Let’s talk about mistakes—because that’s where the real value is. What are the most common issues you’re seeing? Kevin: Two big ones. First: lack of future-proofing. Managers build a structure that works for today but doesn’t allow them to evolve new asset types, new geographies, leverage strategies. Second: weak operational processes. Poor reporting, delayed financials, lack of transparency. These aren’t just operational issues they become credibility issues. Uriel: There’s a line in the guide that stood out to me: “Many fund problems are planning and process problems.” Kevin: That’s exactly right. People assume the complexity is legal. It’s not. The real complexity is operational—reporting, communication, execution. This becomes a lot easier when you have a strong guide that is a precision expert. Final Thoughts: What Should Lenders Do Next? Uriel: For lenders reading this who

By adm1n_2411

Max Chera

Insights

How to Package a Deal So It Gets Approved in Half the Time

April 22, 2026. I can tell within 60 seconds whether a deal will close fast or get slowed down by avoidable back-and-forth. It has nothing to do with the property. Nothing to do with the borrower. Nothing to do with the market. It’s all about how the loan officer packages the submission. After reviewing thousands of deals at Express Capital Financing, I’ve seen the same pattern repeat itself. The loan officers who consistently close fast aren’t luckier or better connected. They simply know how to present a deal so it moves through the process without friction. Here’s exactly how they do it, and how you can start doing it on your very next deal. Why Packaging Matters More Than You Think Every incomplete submission triggers a chain reaction that adds time to your closing. A deal comes in. Something’s missing. A request goes out. Time passes waiting for a response. Then more time to review what comes back. Maybe another round of questions. Now multiply that across every deal you submit this year. The math is brutal. But here’s the good news: this is completely within your control. Package deals correctly from the start, and you eliminate the delays before they happen. The Submission Checklist You Should Use on Every Deal Before you send anything to a lender, run through this list. If items are missing, get them first. A complete package is the fastest path to approval. Borrower Information Full legal name and contact information Credit report or authorization to pull credit Real estate experience summary (number of deals, property types, outcomes) Personal financial statement or proof of liquidity Entity documents if borrowing through an LLC or corporation Property Details Complete property address Purchase contract (for acquisitions) or current payoff statement (for refinances) Property photos: exterior, interior, and any areas needing work Preliminary title report if available Deal Financials Scope of work with itemized budget (for rehab deals) After-repair value with supporting comparable sales Rental income or projected rents (for DSCR or rental properties) Clear exit strategy—sale, refinance, or long-term hold Your Summary One-page deal summary (I’ll show you exactly how to write this below) Steal this checklist. Use it on every deal without exception. The 15 minutes you spend gathering everything upfront will save you days on the back end. How to Present Documents So Lenders Can Move Fast Collecting the right documents is half the battle. Presenting them correctly is the other half. I’ve received submissions where everything I needed was technically included, buried in a mess of poorly named files scattered across a dozen emails. That’s like handing someone a jigsaw puzzle with no picture on the box. Even if the pieces are there, it takes longer to put together. Here’s how to present your package so it gets reviewed immediately: 1. Name Files Clearly Every document should be identifiable at a glance. Use formats like Smith_CreditReport_2024.pdf or 123MainSt_PropertyPhotos.pdf. Never send files named IMG_4382.pdf or Document(1).pdf. 2. Combine Related Items Merge multiple property photos into a single PDF. Same with entity documents or tax returns. One organized file beats ten scattered attachments. 3. Deliver Everything Together Send one link, one folder, or one zip file containing the complete package. Make it effortless for your lender to access everything without hunting through email chains. 4. Address Concerns Proactively If something in the file might raise questions, such as limited experience or an unusual property, acknowledge it upfront with context. A brief note explaining the situation builds trust and keeps things moving. These details seem small. They’re not. They signal professionalism and make lenders want to prioritize your deals. The One-Page Deal Summary That Gets Faster Responses This is the single most valuable tool for accelerating approvals. A clean deal summary lets me understand everything I need in under a minute. When I receive one, I can make a decision immediately instead of spending time piecing together information from scattered documents. Here’s the exact format I recommend: Sample Deal Summary Deal Summary: 123 Main Street, Austin, TX Loan Request: $350,000 (80% of purchase price) Purpose: Acquisition and Rehab Borrower: John Smith, 12 completed flips in Austin over the past 3 years Property: Single-family, 3 bed/2 bath, 1,400 sq ft, built 1985 Purchase Price: $437,500 Rehab Budget: $75,000 (itemized scope attached) ARV: $625,000 (comps attached) Exit Strategy: Sell upon completion, estimated 5-month timeline Notes: Borrower has completed 8 previous deals using private financing with zero defaults. Title is clear. Contractor confirmed and ready to begin immediately. When you submit a summary like this, you’re not just providing information. You’re demonstrating that you’ve done your homework, vetted the deal, and made it easy for the lender to say yes. What Happens When You Get This Right The loan officers who master deal packaging experience a different reality than everyone else. Their deals close faster. Their lenders respond quickly because working with them is efficient. Their borrowers notice the difference and send referrals. Their reputation becomes their greatest asset. This is exactly how we think about business at Express Capital Financing. Speed and precision aren’t extras. They’re the standard. The loan officers who thrive in our world are the ones who understand that excellence in the details creates excellence in the results. Your Next Step Take the checklist and the summary template from this article. Use them on your very next deal. Notice how the process changes. Notice how much faster you get responses. Notice how much smoother everything feels when you’ve eliminated the friction before it starts. Max Chera Managing Partner & co-founder of Express Capital Financing Max Chera is a recognized expert in real estate and hard money lending. Max built a successful brokerage by 21, mastered high-volume sales, and mentored agents nationwide. With extensive experience as a broker and strategic advisor, Max has become the go-to expert for investors seeking tailored solutions and sustainable growth.

By adm1n_2411

Uriel Fleicher

E-Desk

Motivation Styles and Performance: What Science Teach Us About Leadership

April 23, 2026. Why do some people get fired up by the thrill of winning, while others are driven by the fear of losing? Neuroscience has a fascinating answer — and the way we apply it can define whether we unlock someone’s full potential or unknowingly shut them down. Cognitive science identifies two main motivational systems in our brain: Promotion Focus – The drive to win, grow, explore, and move forward. People with this orientation are inspired by future rewards, big goals, and taking risks. Prevention Focus – The instinct to protect, conserve, and avoid loss. These individuals are motivated by safety, responsibility, and not letting things slip away. We all have both systems. The key lies in which one dominates under pressure — and how we’re spoken to when motivation is needed most. Take Argentine tennis player Guido Pella. At one point ranked No. 80 in the world, his coach tried to motivate him using promotion-focused messages: “Let’s go for the win,” “You can be in the Top 10,” “Push forward.” But something wasn’t clicking. The motivation wasn’t landing. Eventually, through coaching analysis, they discovered that Guido had a prevention-driven mindset. He played not to lose. His focus was on protecting what he had achieved, not reaching for something new. Once the coach shifted his message — focusing on stability, consistency, and maintaining his level — Guido began to thrive. He climbed to World No. 30. This shift didn’t require Guido to change. It required his coach to adapt the language and strategy to match the player’s motivational profile. The same lesson applies to leadership in the lending industry. Whether managing a team of Loan Officers, leading sales efforts, or guiding client relationships — the best results come when leaders recognize the motivational style of each person and tailor their approach accordingly. A promotion-focused employee will respond to growth targets, new opportunities, or breaking records. A prevention-focused one will be more engaged when you emphasize maintaining high standards, preserving reputation, or avoiding mistakes. Great leadership isn’t about pushing everyone with the same script — it’s about listening, observing, and then choosing the message that will land best. Want to become a top performer in lending? Start by adapting your leadership style. You don’t need to change your people. You just need to motivate them the way their brain works best. Uriel Fleicher Editor in Chief and Co-Founder of The Elite Officer Uriel Fleicher is a lawyer from Argentina with a strong academic background, holding a Master in Business Law and currently pursuing an MBA. Throughout his extensive career, he has provided legal counsel to Private Lending Firms in Argentina, which allowed him to establish valuable connections with key industry leaders in the United States. This experience enabled him, along with his partners, to identify a unique opportunity: the creation of The Elite Officer. This column is part of Neuroscience in Action: A Tribute to the Teachings of Estanislao Bachrach, a series exploring how neuroscience can be applied to everyday performance in the lending industry. This section is independently produced by the editorial team of The Elite Officer. It is inspired by the public lectures and published works of neuroscientist Estanislao Bachrach, but it is not affiliated with or endorsed by him. Estanislao Bachrach holds a PhD in Molecular Biology from the University of Montpellier and a Bachelor’s in Biological Sciences from the University of Buenos Aires, with additional leadership and innovation training at Harvard University. He has taught at Universidad Torcuato Di Tella, speaks internationally, and is known for blending neuroscience, creativity, emotions, and leadership. He’s the author of several impactful books: ÁgilMente (translated into English as The Agile Mind: How Your Brain Makes Creativity Happen – 2017) ; EnCambio (2015); Cuentos y Juegos para Ágiles Mentes (2016); Random (2017); Zensorial (Spanish title: Zensorialmente: Dejá que tu cuerpo sea tu cerebro, 2023); ÁgilMente 2 (2023); and ¡Soltá! (2024). His work centers on applying brain science to enhance well‑being, emotional intelligence, decision‐making, and the link between mind and body through sensory awareness.

By adm1n_2411

Nema Daghbandan - Lightnings Docs

Trends & Analysis

Record Loan Volumes and Tightening Spreads: Inside the Q1 2026 Private Lending Market

April 15, 2026. With 22 business days, expectations for March were high — and the 351 users active on Lightning Docs in March made sure those expectations were met. For the first time ever, Lightning Docs surpassed 7,000 loans in a single month. It was just last April that we crossed the 5,000 loan threshold, and at that time we were blown away: not just by the adoption of Lightning Docs, but by the growth of private lending as a whole. Less than a year later, reaching 7,000 is a monumental achievement and a clear signal of the industry’s resilience. Let’s dive into what contributed to this growth and where opportunities are presenting themselves at the end of this first quarter of 2026. Bridge Loan Volumes: Tepid Growth Bridge loans showed continued growth in March, building on February’s renewed momentum. Users who have been active on Lightning Docs since the start of 2025 produced 2,637 bridge loans last month—a 9% increase compared to March of last year, bringing year-over-year growth to 6.8% when comparing Q1 2026 to Q1 2025 across the same 219 users. Bridge lending continues to face significant headwinds with widely reported compressed margins for real estate investors flipping properties, longer days on market creating more significant carrying costs, and rising costs of labor and materials — all of which result in a challenging environment for bridge loan borrowers. In more positive news, Q1 2026’s represented a slight increase from Q4 2025 volumes (1.63%) and a more significant 6.8% in year-over-year growth from Q1 2025 that we can be cautiously optimistic about. However, to put this growth into perspective, Q1 volumes increased by 51 percent when comparing Q1 2024 to Q1 2025 across the same 170 users. Hopefully, quarterly numbers continue to increase in the months ahead. Q1 Trends in Bridge Loan Interest Rates & Amounts Following February’s interest nosedive, which saw rates falling 17 basis points to 10.10% compared to January, March saw a slight rebound, with an average of 10.12%. Despite this two-basis-point increase, overall rates remain lower, and distribution trends show a growing concentration of loans in the 9–9.99% range. This shift may indicate a near-term plateau, contrasting with earlier projections of sub-10% averages based on steady declines observed since early 2025. The average in bridge loan amounts has dropped under $680,000 for the first time this year, protracting the period of up-and-down oscillation we’ve seen since May 2025. Though we may continue to see some volatility, it’s worth noting that last month’s decline in loan amounts is the largest monthly decrease we’ve seen in the past year, slightly exceeding the November-December 2025 dip. Anecdotally, many Lightning Docs users complain of higher risk environments in which leverage is pushing to unsustainable levels — however, the decreasing average loan balances tend to demonstrate a potential de-risking occurring across lender portfolios. Top U.S. States for Bridge Loan Activity As loan volumes accumulate, many of the states that ranked in the Top 10 at the end of last year continue to hold their positions, with some reshuffling along the way. Ohio, in particular, is building on recent momentum and climbing the ranks. Compared to last month, New York has fallen out of the Top 10, with Pennsylvania taking its place. Expanding the view to the Top 20, Massachusetts, Oregon, and Arizona are gaining traction and are worth watching as we move into Q2. Most Active Counties in Bridge Lending Looking at the counties that are leading the bridge loan charge, we can see that Bexar County’s (San Antonio metro) stratospheric rise wasn’t just a January story. With 70 loans in March alone, comprising 50% of their total bridge loan volume this year, the county had the third highest volume of any bridge county making gains in rank — and gain in rank it did, jumping up seven places compared to the end of 2025 and two places in just a month. Meanwhile, Cook, IL (Chicago metro) rebounded from a quieter February to reclaim its #3 position. DSCR Loan Volume Growth: A Breakout Q1 for 2026 DSCR loans have maintained a strong upward trajectory since last year, where they grew 55.3% from Q1 to Q4 2025 across the same users. This year, March further reinforces this trend with volume surging to 3,708, surpassing last year’s peak by 70 loans and increasing by 19% compared to this February, although with three extra business days accounting for much of the difference. With a total of 10,016 DSCR loans, Q1 2026 was close to hitting the quarterly DSCR loan record we achieved in Q4 of 2025. Regardless, Q1 2026 increased 54% from Q1 2025, demonstrating significant resiliency — particularly in comparison to an anemic bridge growth of less than 10%. It is highly unlikely that the entire DSCR sector is growing at this rapid of a rate, but the 49 tech-enabled DSCR lenders using our software are clearly able to outperform. DSCR Loan Interest Rates Drop as Amounts Rebound, Signaling Demand Interest rates for DSCR loans are averaging below 7% for the first time since June 2022, likely factoring into the higher volumes we’ve seen as borrowers and investors alike look to take advantage. This is reflected in the rate distribution as well, with almost 60% of all DSCR loans falling between 6.0-6.99%. Meanwhile, the 7%+ segments have collectively declined, suggesting a shift toward more favorable financing conditions. National average loan amounts continue to stay stable between $300-$310k. Due to the war with Iran and consequent oil price increases, March brought tremendous uncertainty as we saw the treasury markets fluctuating wildly. The ultimate question will be whether this level of uncertainty will result in an actual change in origination activity. Understanding Interest Rate Spreads in the 2026 Lending Market While interest rates have remained comparatively down for both bridge and DSCR loans — particularly for the latter, which has hit a nearly four-year low — it seems that the rate landscape is less amenable in other areas. Consumer mortgage rates climbed

By adm1n_2411

Finserv - Tower Fund Capital

Press Releases

FinServ LLC Closes $104.5 Million Inaugural RTL Securitization

April 21, 2026. FinServ LLC (“FinServ”), a New York–based specialty finance company focused on business-purpose residential lending, today announced the successful closing of its inaugural securitization, FSMBT 2026-RTL1, a $104.5 million unrated residential transition loan (“RTL”) transaction on April 7th, 2026. The securitization, issued through FSMBT 2026-RTL1 Trust, is backed by a diversified pool of short-duration, interest-only loans collateralized by single-family, multifamily, and mixed-use residential properties. The transaction includes a two-year reinvestment period, enabling FinServ to acquire additional eligible collateral and support continued growth of its origination platform. “Establishing a presence in the capital markets enhances our ability to deliver speed, certainty, and scale to our borrowers,” said Ed Gitlin, Founder of FinServ. “This transaction represents an important milestone in the evolution of our platform and provides institutional investors with access to a differentiated, high-yielding asset class.” FinServ’s executive team has over four decades of experience in loan origination and asset management. Across its platform and affiliated entities, the firm has originated, serviced and managed in excess of $2 billion in assets. The company operates a fully integrated lending platform, encompassing origination, underwriting, funding, and servicing, enabling end-to-end control across the credit lifecycle. Tower Fund Capital, FinServ’s affiliate originator, was the majority collateral contributor for the initial loan pool. Mo Noorali, FinServ’s Head of Capital Markets explained that “our disciplined, asset-based underwriting and servicing approach has consistently earned the trust of investors and credit facility partners. The successful launch of this inaugural securitization represents a significant milestone, and we are encouraged by the validation from institutional investors and portfolio managers.” Transaction Participants Cantor Fitzgerald & Co. acted as sole structuring agent, bookrunner, and initial purchaser. Wilmington Savings Fund Society, FSB serves as indenture trustee, owner trustee, and custodian. FCI Lender Services, Inc. acts as sub-servicer. Setpoint Technologies Inc. provided third-party diligence, including pre-offering and ongoing loan review. About FinServ LLC FinServ LLC is a New York–based specialty finance company focused on originating and managing business-purpose residential transition and bridge loans. Through a vertically integrated platform spanning origination, underwriting, acquisition, and servicing, FinServ provides reliable, execution-focused capital solutions for real estate investors across acquisition, renovation, and repositioning strategies. Since inception, FinServ has developed a diversified national origination network, working with experienced investors, developers, contractors, and mortgage professionals. The firm’s financing supports housing investment and asset repositioning across key markets nationwide. FSMBT 2026-RTL1 reflects FinServ’s strategy to bridge private lending with institutional capital markets execution. www.finservcap.com Important Notice The notes described herein have not been registered under the Securities Act of 1933, as amended, and were offered solely to qualified institutional buyers pursuant to Rule 144A and, with respect to certain classes, to non-U.S. persons in offshore transactions pursuant to Regulation S. This press release does not constitute an offer to sell or a solicitation of an offer to buy any securities, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation, or sale would be unlawful. CONTACT: Mo Noorali, Director of Capital MarketsEMAIL: mo@finservcap.comPHONE: 646-914-6504www.finservcap.com

By adm1n_2411

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