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ReaCap Talk to the founders

The AI operating system for private lending

Every lead worked.
Every hour. By AI.

ReaCap replaces your dialer, your CRM, your drip tool, and your first three hires. It sources leads from public records, works them over text, voice, and email, and carries every deal to the closing table.

National lead engine Coverage model · illustrative
Designed to run nationwide: once a county feed is added, everything downstream (normalization, skip-trace, outreach) is source-agnostic. Activity shown is illustrative. Map data © Mapbox © OpenStreetMap.
3 channels, one agent: SMS, voice, email
5 portals: admin, agent, borrower, partner, broker
<$1 in data and skip-trace cost per sourced lead, in our own operation
24/7 pipeline coverage. Built so 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. Each agent plans its own next touch instead of running a fixed sequence, and re-plans when a lead goes quiet.

04

Hand off

When the borrower asks for a person, or the agent hits a question it should not answer, the deal routes to your team with the full thread 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 across hundreds of thousands of records, with acquisition cost logged per operation and rolled up per qualified 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.

Aerial view of rows of American single-family homes in morning light
The American housing stock Where private lending lives

In the field

Watch it work a lead

In this example the agent identifies itself as AI on the first message, qualifies the borrower, and books the human call. Disclosure is a per-deployment setting, and a verifier holds any outbound that breaks it. No scripts to write, no follow-ups to remember.

AI assistant: Hi Maria, this is Alex, an AI assistant with [Your Firm]. You asked about a cash-out refi on your Queens two-family. Still looking? Reply STOP to opt out.
Borrower: yes but I got quoted 11% elsewhere
AI assistant: Noted on the 11 percent. Pricing moves with the balance and the rents, so let me get both. What's the current balance?
Borrower: about 410k
AI assistant: Got it. A loan officer will review your options. Can they call you at 2pm?
Illustrative example, not a real borrower conversation. Outbound messages pass content guards before they send.

Guardrails

Autonomy with a paper trail

Pointing an LLM at a borrower list is a weekend project. Everything below is what it takes to do it inside a regulated business. Consent, licensing, and disclosure obligations stay with the lender. ReaCap gives you the controls to meet them.

  • 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 screening on every inbound borrower message
  • Voice calls are scanned after the fact for anything the AI said that it should not have
  • Every AI action is audit-logged and reviewable. Queued outbound can be edited or canceled before it sends, and an admin can pause the agent or take over the thread at any time
  • Per-lead spend caps pause an agent that runs over budget on their own
  • Passkey MFA on the admin console, step-up confirmation on destructive actions, and bot detection on every public 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. The core platform on this page is running today.

Facade of a classic New York brownstone row house
Battle-tested daily A real lending team lives in this system: processors, agents, partners, and borrowers, all on their own portals.
Built for a full book Thousands of conversations run at once. Outreach, inbound replies, and document work run on separate lanes, so a large import never delays a borrower's reply.
Economics that work In our own operation, free public data plus paid contact resolution keeps data and skip-trace cost per sourced lead under a dollar, with every scrape and lookup costed per vendor and county. Your cost moves with your counties and vendor pricing.

Roadmap

Where the platform goes next

The origination engine is running. Around it sit the pieces that close the loop, from pricing a deal to servicing the loan it becomes. Some are built and rolling out, some are next.

Deal pricing engine Built, in rollout. 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 Built, in rollout. Package a deal once and submit it to multiple capital providers straight from the pipeline, with status, stips, and responses tracked per submission.
Threaded deal conversation Next. Team conversation inside the deal itself, threaded per pipeline stage and per underwriting condition, so context never lives in a side channel.
Loan servicing Next. Payment schedules, draws, payoffs, and borrower communication in the same system that originated the loan. No handoff to a second vendor.
Content studio Built. On-brand social posts and market updates generated from your real deal flow, staged for review before anything publishes.
Brand studio Next. 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 work with lenders who do, write to us.