# LOS Platforms for Private & Hard Money Lenders > Loan origination systems for private and hard money lenders — speed to term sheet, flexible underwriting, investor management, and construction draws. Source: https://thelosdirectory.com/segments/private-lenders --- By Lender Type 19 platforms The Mortgage Office is purpose-built for the private and hard money lifecycle, with the deepest investor management in the category, and LendingWise is the strongest all-in-one alternative. Private and commercial lenders that underwrite on borrower cash flow rather than collateral alone can add Aloan for AI-native spreading and credit analysis. Loan origination systems for private and hard money lenders — speed to term sheet, flexible underwriting, investor management, and construction draws. ## Key Considerations 1 Speed to term sheet and funding — private lending is competitive on turnaround time 2 Construction draw management and rehab budget tracking for fix-and-flip and ground-up projects 3 Investor management and reporting for fund-based and syndicated lending models 4 Flexible underwriting templates that accommodate non-traditional collateral and borrower profiles ## Matching Platforms Sorted by market presence, then alphabetically. Click any platform for a full profile. [Built Major Built Technologies · Nashville, TN Lenders that want one construction finance layer for draw administration, inspections, payments, and CRE workflow without pretending it is a full bank-wide LOS ConstructionCommercialCre Cloud](https://thelosdirectory.com/platforms/built)[Aloan Aloan Inc. · Houston, TX Community and regional banks, credit unions, and CDFIs that want AI-native commercial loan origination: spreading, risk detection, and credit memos with a full source-document audit trail, whether as a standalone LOS or layered on the system they already run CommercialCreSbaEquipment +2 Cloud](https://thelosdirectory.com/platforms/aloan)[DownHome Solutions DownHome Solutions · Seattle, WA Loan funds whose hardest recurring problem is CDFI Fund TLR reporting and multi-fund tracking rather than credit analysis depth Small businessCommercialConsumer Cloud](https://thelosdirectory.com/platforms/downhome-solutions)[Fundingo CloudMyBiz · Sherman Oaks, CA CDFIs and other lenders that want a Salesforce-based system spanning origination, underwriting, servicing, and reporting CommercialSmall businessConsumer Cloud](https://thelosdirectory.com/platforms/fundingo)[HES LoanBox HES FinTech · Vilnius, Small-to-mid lenders and specialty finance companies that need a modular, configurable lending platform with AI-driven decisioning and a no-code BPM engine ConsumerCommercialAuto Cloud](https://thelosdirectory.com/platforms/hes-loanbox)[Hitch Hitch Equity · Austin, TX Wholesale and specialty mortgage lenders that want a white-label HELOC and home-equity workflow with broker-facing distribution HelocHome equity Cloud](https://thelosdirectory.com/platforms/hitch)[Land Gorilla Land Gorilla, LLC · San Luis Obispo, CA Lenders whose construction pain is the draw cycle itself: budget control, inspection turn times, lien risk, and disbursement ConstructionCreConsumer Cloud](https://thelosdirectory.com/platforms/land-gorilla)[LendFoundry LendFoundry · San Jose, CA Startup-to-midsize fintech lenders and alternative lending platforms that need a highly configurable, API-first LOS with 80+ data integrations and strong decisioning ConsumerSmall businessBnpl Cloud](https://thelosdirectory.com/platforms/lendfoundry)[LendingWise LendingWise · Miami, FL Small-to-mid private and CRE lenders that want an all-in-one CRM + LOS + pricing + servicing platform for fix-and-flip, rental, CRE, and SBA lending Fix and flipCreBridgeSba +2 Cloud](https://thelosdirectory.com/platforms/lendingwise)[Liquid Logics Liquid Logics · Austin, TX Small-to-mid private lenders that need a comprehensive cloud-based platform covering origination, underwriting, docs, servicing, and investor management with rules and AI features MortgageCommercialConstructionDscr Cloud](https://thelosdirectory.com/platforms/liquid-logics)[Mortgage Automator Mortgage Automator · Toronto, ON Small-to-mid private lenders in the U.S. and Canada that want end-to-end origination and servicing with auto-generated documents, borrower portals, and investor management MortgageCommercialConstructionFix and flip Cloud](https://thelosdirectory.com/platforms/mortgage-automator)[Northteq Northteq, LLC · Minneapolis, MN Independent equipment lessors that want a modern, Salesforce-native origination system with vendor and borrower portals rather than an enterprise lease platform EquipmentCommercial Cloud](https://thelosdirectory.com/platforms/northteq)[Nortridge Nortridge Software LLC · Foothill Ranch, CA Lenders whose difficulty is servicing complexity, including revolving and installment structures on one platform, rather than front-end origination alone CommercialConsumerAutoCre +1 CloudOn premise](https://thelosdirectory.com/platforms/nortridge)[Odessa Odessa Technologies, Inc. · Philadelphia, PA Lessors that need one platform for the full lease and loan lifecycle, from origination through asset management, termination, and remarketing Equipment Cloud](https://thelosdirectory.com/platforms/odessa)[Solifi Solifi · Minneapolis, MN Secured finance firms that want equipment, working capital, wholesale, or automotive finance on one cloud platform rather than a separate system per asset class EquipmentCommercialAuto Cloud](https://thelosdirectory.com/platforms/solifi)[SPARK Arcadea Group · Minneapolis, MN SBA lenders and LSPs that want the program mechanics automated end to end, from eligibility and packaging through E-Tran submission, closing, and disbursement SbaSmall businessCommercial Cloud](https://thelosdirectory.com/platforms/spark)[The Mortgage Office Applied Business Software · Long Beach, CA Small-to-mid private and hard money lenders that need integrated origination, servicing, and investor management on a single platform MortgageCommercialConstructionFix and flip +1 CloudSelf hosted](https://thelosdirectory.com/platforms/mortgage-office)[TurnKey Lender TurnKey Lender · Singapore, Small-to-mid banks and fintech lenders that want AI-powered decisioning automating up to 90% of credit decisions with end-to-end origination, servicing, and collections ConsumerSmall businessAutoBnpl CloudSelf hosted](https://thelosdirectory.com/platforms/turnkey-lender)[Zeitro Zeitro · San Francisco, CA Solo originators, brokers, and small teams that want an AI-driven mortgage LOS supporting agency, FHA/VA, Non-QM, DSCR, and hard money products MortgageDscrFix and flip Cloud](https://thelosdirectory.com/platforms/zeitro) ## Recommended Guide [2026 Ranked Guide Best LOS for Private & Hard Money Lenders A ranked guide to LOS platforms for private lenders, hard money shops, and real estate investors — speed, investor management, and construction draws. 5 platforms ranked · 6 FAQs answered Read the full guide](https://thelosdirectory.com/best/private-lenders) ## Related Comparisons [LendingWise vs Liquid Logics Two purpose-built platforms for private and hard money lenders: all-in-one CRM+LOS versus lifecycle automation with 15+ years of industry focus.](https://thelosdirectory.com/compare/lendingwise-vs-liquid-logics)[Zeitro vs LendingPad AI-powered broker automation versus proven web-first collaboration — two modern platforms fighting for the independent mortgage originator market.](https://thelosdirectory.com/compare/zeitro-vs-lendingpad) ## Related Segments [By Lender Type 9 LOS Platforms for Fintech & Digital Lenders](https://thelosdirectory.com/segments/fintech-lenders)[By Loan Type 9 Private Real Estate Lending Platforms](https://thelosdirectory.com/segments/private-real-estate)[By Institution Size 3 LOS for Solo Originators & Small Teams](https://thelosdirectory.com/segments/solo-brokers) ## Frequently Asked Questions What features do private lenders need in an LOS? Private lenders need speed-to-close workflows for bridge and fix-and-flip products, construction draw management with inspection tracking, investor management for fund-based and participation lending, and flexible underwriting templates for collateral-based decisions. Integrated servicing is critical since most private lenders service their own loans rather than selling to investors. How is a private lending LOS different from a mortgage LOS? Mortgage LOS platforms focus on agency compliance, TRID and HMDA automation, and secondary market delivery. Private lending platforms prioritize speed, collateral-based underwriting, investor management, and construction draw tracking. Private lenders evaluate deals on after-repair value and DSCR ratios rather than DTI and credit scores. Running private lending on a mortgage LOS forces workarounds for missing features. How much does a private lending LOS cost? Private lending LOS pricing ranges from $500 to $2,000 per month for smaller operations using platforms like LendingWise, to higher annual contracts for enterprise private lenders. The Mortgage Office and Liquid Logics offer full lifecycle coverage including servicing. Implementation costs are generally lower than bank LOS platforms since private lenders have simpler compliance requirements and fewer integration needs. Do private lenders need financial spreading and cash-flow underwriting software? Pure asset-based hard money lends against collateral, so spreading matters less and servicing and investor management matter most, which is where The Mortgage Office and LendingWise lead. Private and commercial lenders that underwrite on borrower cash flow, including DSCR, bridge, and business-purpose loans, do benefit from automated spreading; AI-native tools such as Aloan handle that analysis and can run alongside a servicing-focused platform. ## Explore more [All Segments](https://thelosdirectory.com/segments) [Browse All Platforms](https://thelosdirectory.com/platforms) [Best LOS by Category](https://thelosdirectory.com/best) [Head-to-Head Comparisons](https://thelosdirectory.com/compare) [What Is an LOS?](https://thelosdirectory.com/guides/what-is-a-los) [How to Choose an LOS](https://thelosdirectory.com/guides/how-to-choose) [LOS Cost Guide](https://thelosdirectory.com/guides/cost-guide) --- The LOS Directory — independent reviews and comparisons of loan origination systems. - Site index: https://thelosdirectory.com/llms.txt - Full text of every page: https://thelosdirectory.com/llms-full.txt - Sitemap: https://thelosdirectory.com/sitemap-index.xml - Agent instructions: https://thelosdirectory.com/AGENTS.md