Capital Provider for Originators and Private Lenders
Advancing Lending Intelligence for Speed and Scale
Your borrowers want speed and choice. Formula equips you with both — delivering the capital, pricing, and technology you need to stand out in a crowded market.
Unlimited Loan Options.
One Platform.
Instantly price hundreds of loan scenarios across DSCR, bridge, and fix & flip.
Formula funds across every risk tier — from 500 to 800 FICO — optimizing rate, leverage, and execution in real time.
Say “yes” more often with flexible guidelines and tailored loan structures.
One platform → every option → faster closes.
DSCR
Bridge
Fix-and-Flip
New Construction
Automation where it counts, human expertise where it matters.
Formula’s AI underwriting engine clears the majority of conditions in seconds, giving you faster closings.
And when a deal falls outside the box, our underwriters step in — ensuring no opportunity gets left behind.
The sleekest way to access capital — instantly
Formula is the future of origination — a beautifully engineered portal built atop an institutional engine.
Powered by AI, backed by deep private credit liquidity, and optimized for speed, precision, and profit.
The era of outdated portals and manual pricing is over. This is what modern capital feels like.
Your Brand.
Our Engine.
Formula’s white-label table funding lets you fund loans directly — without raising capital.
Access institutional liquidity, automate compliance, and give borrowers a fully branded experience — from application to closing.
You own the brand and the client — Formula powers the engine behind it all.
