Private Lender Guarantees Full Commission Protection for Mortgage Brokers
Folsom, Thursday, 13 August 2026.
Silverback Capital has launched a broker network featuring strict commission protection and zero-down financing options, safeguarding independent mortgage professionals while streamlining deal closings across the United States.
Broker Network and Commission Protections
Silverback Capital, a private real estate lending firm headquartered in Folsom, California, officially launched its new Broker Network Program on August 13, 2026, introducing dedicated commission protection measures for mortgage professionals [1]. This initiative is designed to safeguard loan originators and commercial brokers against circumvention during private money financing deals, a critical move as non-bank private credit continues to expand into real estate debt financing [1]. The program aims to attract higher loan volumes by establishing formal protections and structured terms for independent brokers, ensuring they receive payment at closing rather than facing delayed compensation [1].
Complementing the network launch, the firm also highlighted its 100% Fix & Flip Financing Program, which covers 100% of the purchase price and 100% of rehab costs for qualified deals [2]. Rates for this program start as low as 8.49%, with funding turnaround times reported between 7 to 10 business days [1][2]. Unlike traditional hard money lenders that typically require 10-25% down, this structure allows investors to maximize leverage and preserve capital for additional deals, addressing a common pain point in the fix-and-flip sector [2].
Company Background and Capital Deployment
Founded in 2014, Silverback Capital has deployed over $500 million in capital across more than 1,000 loans, currently lending across 40 states using equity-based underwriting [1]. The firm operates as a correspondent lender, offering commission protection for brokers and direct processor access for borrowers, differentiators that have fueled rapid growth in competitive markets like Sacramento and the Bay Area [2]. By treating brokers as true partners through transparent communication and fast underwriting, the company seeks to solidify its position in the private lending ecosystem [1].
Based on the deployed capital and loan count, the average loan size can be estimated using the firm’s historical data. The calculation for the average loan value is 500000, resulting in an approximate average of $500,000 per loan [1]. This metric underscores the firm’s capacity to handle mid-sized residential and commercial projects, ranging from single-family fix-and-flips to multifamily and commercial hard money loans up to $25 million [2].
Financing Mechanics and Underwriting Speed
The operational framework of the Broker Network Program includes pre-approvals issued within 24 hours and a dedicated point of contact for each deal [1]. Speed is a central component of the value proposition, with the firm capable of funding loans in as few as 7 days without requiring plans or permits to fund construction loans in certain programs [2]. This rapid turnaround is managed through an in-house draw schedule and a non-Dutch interest structure, where borrowers only pay interest on funds drawn rather than the full loan amount [2].
Prospective mortgage professionals can register for the network immediately to access commission protection and zero-down financing options for their clients [1]. The program features a deal submission portal and a six-module Broker Training Academy to ensure partners are well-versed in the nine available loan programs, including DSCR Rental and Ground-Up Construction [1]. This infrastructure supports the firm’s goal of streamlining deal closings across the United States while maintaining rigorous underwriting standards [1].
Market Strategy and Access
Silverback Capital’s strategy positions it as a relationship-driven alternative to institutional private lenders, emphasizing direct access over call centers [2]. The company spokesperson noted that when a borrower calls, they speak to their processor directly, ensuring clarity on deal status and reducing the layers common in institutional lending [2]. This approach is particularly relevant as the private lending industry seeks innovation to accommodate serious investors looking to minimize capital tie-up [2].
Registration for the broker network is ongoing, with guidelines and academy access available via the company website or phone support [1]. The launch reinforces the firm’s commitment to the Western states and California markets, where it has established a significant presence since its founding [2]. Through these structured terms and protection measures, Silverback Capital aims to stabilize broker relationships and enhance deal flow consistency in the 2026 fiscal year [1].