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ReaCap Talk to the founders

The AI operating system for private lending

Every lead worked.
Every hour. By AI.

ReaCap runs a private lending shop end to end. It sources leads from public records, works them over text, voice, and email, and walks every deal to the closing table. One platform replaces the dialer, the CRM, the drip tool, and the first three hires.

Talk to the founders See how it works
National lead engine Coverage model · illustrative
Designed to run nationwide: the public-records pipeline is county-agnostic. Activity shown is illustrative. Map data © Mapbox © OpenStreetMap.
SMS, voice, and email agents active Do Not Call and litigator scrubbing built in Auto-pause on the first complaint signal Every AI action audit-logged Human handoff with full context Public-records lead engine running
3 channels, one AI brain: SMS, voice, email
5 portals: admin, agent, borrower, partner, broker
<$1 in data and skip-trace cost to source and clear a lead
24/7 pipeline coverage. Sunday night gets answered.

Process

How ReaCap runs a loan

01

Source

The public-records engine finds property owners before they ever hit a lead vendor's list. Government data in, no per-lead markup out.

02

Clear

Contacts are skip-traced, then run through built-in national Do Not Call registry and TCPA litigator scrubbing before outreach.

03

Work

AI agents qualify, answer, follow up, and re-engage cold leads across SMS, voice, and email, on their own schedule, with their own plan.

04

Hand off

The moment a human touch matters, the deal routes to your team with the full conversation, the borrower's intent, and the next step attached.

05

Close

E-signing, document collection, and borrower portal updates carry the deal through funding without a paper chase.

The platform

Everything a lending desk runs on, in one system

01

Autonomous agents

An AI workforce that plans its own outreach, replans when a lead goes quiet, and pauses itself the moment a human steps into the thread.

02

Pipeline CRM

Deals, stages, assignments, and scoring built for lending, not adapted to it. Stage changes fan out to email, Slack, and re-engagement automatically.

03

Power dialer and campaigns

Audience-based dialing and drip sequences for the moments that still need a human voice, coordinated with the AI agents so nobody double-texts.

04

Lead data engine

Public-records ingestion, skip-tracing, and enrichment at hundreds of thousands of records scale, with cost tracked per contacted lead.

05

E-sign and documents

Native e-signing, document requests, deduplication, and a borrower portal that shows exactly what is missing and why it matters.

06

Firm intelligence

A discovery engine that finds, enriches, and scores the firms worth partnering with, so business development runs on data instead of directories.

In the field

Watch it work a lead

The agent introduces itself as AI, qualifies the borrower, and books the human call. No scripts to write, no follow-ups to remember. It carries the conversation and hands off rather than pushing.

Illustrative example, not a real borrower conversation. Outbound messages pass content guards before they send.

Guardrails

Autonomy you can put in front of a regulator

Letting AI talk to borrowers is easy. Letting it do so safely is the product. ReaCap was built compliance-first because it runs a real lending operation, not a demo.

  • Outbound content guards screen messages before they send
  • Built-in national Do Not Call registry and TCPA litigator scrubbing
  • The AI pauses itself on complaint signals and human-touch detection
  • Prompt-injection and hallucination screening on inbound borrower text
  • Every AI action is audit-logged, reviewable, and reversible by an admin
  • Passkey MFA, bot detection, and layered security on every surface

Proof

Not a prototype. A production system.

ReaCap was built by the team at Joseph Capital Network to run their own real estate financing operation, and it still does, every day. It answers borrowers on a Sunday night, re-engages the leads other shops gave up on, and hands deals to humans at exactly the right moment. The core platform on this page is running today.

Battle-tested daily A real lending team lives in this system: processors, agents, partners, and borrowers, all on their own portals.
Built to scale Six prioritized queue tiers, a multi-domain architecture, and an always-on runtime built for volume from day one.
Economics that work Free public data plus paid contact resolution keeps data and skip-trace cost per sourced lead under a dollar, tracked to the penny per channel.

Roadmap

Where the platform goes next

The origination engine is running. The next releases close the loop around it, from pricing a deal to servicing the loan it becomes. In development now:

Deal pricing engine Price a deal against every capital provider's box in one pass: rate, leverage, and fees per program, side by side, before the borrower hangs up.
Capital-provider submissions Package a deal once and submit it to multiple capital providers straight from the pipeline, with status, stips, and responses tracked per submission.
Deal rooms Team conversation inside the deal itself, threaded per pipeline stage and per underwriting condition, so context never lives in a side channel.
Loan servicing Payment schedules, draws, payoffs, and borrower communication in the same system that originated the loan. No handoff to a second vendor.
Marketing studio On-brand social posts and market updates generated from your real deal flow, ready to review and publish.
Brand studio A brand-kit generator that gives every lender white-labeled portals, documents, and templates from day one, matching the guidelines you already have or building you a set.

We are opening the platform.

ReaCap is bringing the AI-run lending desk to private lenders and brokers, starting with a small group of early partners. If you run a lending desk, or you want to be part of what we are building, write to us.

Get early access Talk to the founders