ProLend Capital

Your retirement account is stuck earning 4% in a mutual fund you don't even understand.

Sean Howell breaks down something most investors never hear from their broker.

An SDIRA works exactly like your traditional IRA from a tax standpoint.

Same rules.

Same tax-deferred (or tax-free) growth.

The only difference?

You're not locked into stocks and mutual funds anymore.

You could be the one issuing the loan, backed by real estate, instead of hoping the market cooperates.

Would you rather let Wall Street manage your retirement, or manage it yourself? 👇

⏰ Stop. Read these.

Your draw request sits for 10+ days.

A "surprise" fee shows up at closing.

Your loan officer disappears after funding.

You get denied over a credit score, not the deal.

You find out the underwriting rules changed mid-deal.

Sound familiar? 😤

It does not need to be like this.

💼 Here's what working with us actually looks like:

⏱️ Fast closings — days, not months
📋 Minimal paperwork — no mountain of docs
🏠 Asset-based underwriting — we lend on the deal, not your credit score

No disappearing loan officers. No mid-deal surprises. No waiting weeks for a draw.

Ready to see what a real lending partner looks like? Drop a comment or send us a DM. 👇

Your credit score doesn't know how good your deal is. We do.

Brandon Rickman (The Flip Genius) didn't start ProLend Capital with Matt Byrnes and Sean Howell because he loved paperwork.

He started it because he was tired of hearing "NO" - not because the deal was bad,

but because his credit score didn't hit some arbitrary number,

or the property didn't fit inside a box a loan officer drew before he ever walked in the room.

So he built something different.

No rigid credit requirements.

No forcing your deal into someone else's checklist.

Just real underwriting, real conversations, and real speed to close -

because a good deal doesn't wait for bureaucracy.

💡 Learn more — link in the comments.

What's the biggest "no" you've gotten from a bank that turned out to be the wrong call? 👇

The Most Important Number in Real Estate (And Why It's Never Exact)

What is the single most important thing to know before buying any piece of real estate? The property's value.

In fix-and-flip lending, we call this ARV — after repair value. It is the number that drives everything: how much a borrower can access, what the loan-to-value looks like, and whether a deal actually pencils. Every underwriting decision we make starts here.

Here is the part most people do not tell you. ARV is not an exact science. Run comps on the same property twice and you might land on two different numbers. That is normal. What is not normal is a massive gap. If one comp set comes back at 200,000 dollars and another comes back at 600,000 dollars, something went wrong in the process. A healthy range between two experienced eyes is usually within 10,000 to 15,000 dollars of each other, not hundreds of thousands apart.

This is exactly why we dig into comps on every deal we underwrite. You are not looking for one perfect number. You are looking for a defensible range built on real comps, and that range is what protects both the borrower and the capital behind the loan.

Thank you to one of our managing Members!
The Flip Genius - Brandon Rickman

Send us your next deal and let's see what the numbers say.

Follow for more on how hard money lending actually works.

Building a lender that's fair to borrowers AND lenders sounds simple.

Almost nobody actually does it.

Brandon Rickman from The Flip Genius joined up with Matt Byrnes and Sean Howell to build ProLend Capital from the ground up.

Their goal wasn't just to start another private lending company. It was to fix the parts of the industry that frustrate everyone: slow underwriting, outsourced decision-making, and lenders who forget there are real people - and real capital - on both ends of the deal.

So they built their own in-house underwriting team. No black box. No guessing. Just a business designed to work for the borrower and the lender at the same time.

Watch Part 2 and let us know: what's the #1 thing you wish your lender did differently? 👇

What Banks Don’t Want You to Know

Ever wonder why a bank takes 45 days to say no…

To a deal that was never going to work in the first place?

Here’s the truth:

Banks aren’t underwriting you.

They’re underwriting risk on paper…your W-2, your credit score, your bank statements.

None of that tells the real story of a good deal.

A few things banks won’t say out loud:
→ Your credit score matters less than the asset itself
→ LTV often beats your income, every time
→ The appraisal can matter more than your tax returns
→ Banks price risk. They don’t price opportunity.

Private lending flips the whole equation. We fund deals, not resumes.

Before Brandon Rickman was invovled with Prolend Capital, he was on the other side of the desk - waiting on a bank.

Fix-and-flip investors know this feeling:

The deal is good.

The numbers work.

And the bank still says no - or worse, says nothing for three weeks while the opportunity slips away.

Brandon lived that. Enough times to realize the problem wasn't his deals. It was the system evaluating them.

So instead of just working around it, he decided to fix it - for himself, and for every investor who'd hit the same wall.

Take a watch and tell us:
What's the most frustrating "no" you ever got from a bank on a deal that should've been a yes? 👇