The OS for Construction Credit

Real estate is the largest asset class in the world and the largest secured credit market in the U.S. There’s ~$917B in annual construction credit spend in the US, pertaining to residential real estate. This includes: ground-up construction, fix-and-flips, renovations, build-to-rent and build-to-sell. This work is performed by real estate developers and home builders who rely on construction lenders.

The Problem

Real-estate & construction private credit is one of the most operationally fragmented categories in the U.S. More than $220B in construction, bridge, and DSCR loans are originated annually, yet the workflows that support these loans still run on spreadsheets, emails, PDFs, and disconnected legacy systems that were never designed for construction finance.

• Operational bottlenecks - Underwriting and servicing managers spend most of their time on admin work instead of decisioning because the work happens manually.
• No trustworthy, standardized data because the work is scattered across different manual workflows, loan files have missing fields, inconsistent histories, and no audit trail.
• Liquidity gets stuck on Main Street. Capital markets loan buyers don’t trust the data, which is why most construction loans can’t move into institutional channels. It’s not a credit problem; it’s a data & workflow infrastructure problem.

The Solution

InstaFi unifies a lender’s front, middle, and back office into one operating system:

The end-to-end lending lifecycle is automated through agentic execution - processing, underwriting, servicing, capital markets readiness, and back office admin - enabling operations teams to do more with less.

All workflow activity is captured in a single system of record, giving every loan a standardized, audit-ready history of decisions, inspections, and servicing events.

Capital markets readiness becomes the default because data is structured at the source. Institutional-grade tapes, diligence files, servicing histories, and risk narratives are automatically generated in a conforming format used by Wall Street and institutional investors.

The result is built-in liquidity, allowing lenders to price and sell loans seamlessly while we earn a capped blended take-rate.

In other words: workflow → data → trust → liquidity.

Business model

InstaFi’s revenue comes from two streams: SaaS subscription + take-rate (50 BPS). This replaces a patchwork of legacy tools and consolidates all functions into a single unified OS, at a fraction of the cost.

| Pricing tiers for  lender customers | Annual origination volume | Typical monthly  output | Loan output lender needs to cover SaaS (ROI break-even) | | --- | --- | --- | --- | | Small ($2K/mo) | $20M-$75M | 5-15 loans/month | 0.3-0.4 loans/month | | Mid-sized ($7K/mo) | $75M-$250M | 15-40 loans/month | 1-1.5 loans/month | | Enterprise ($20K/mo) | $250M-$1B+ | 40-150 loans/month | 3-4 loans/month |

InstaFi’s take-rate revenue is a flat-fee model, that is sizably lower priced than current market pricing.

Rapidly expanding market & macro environment