Following the 2008 housing crisis, borrowers have faced an uphill battle in obtaining financing through traditional lending avenues. Since that time, conventional lenders, like banks and credit unions, have adopted stricter policies and are subject to expanded governmental and institutional oversight.
Thus, application timelines have increased, and approval ratings for traditional business loans have declined. These changes have notably affected real estate investment borrowers looking for business purpose loans to expand their portfolio and grow their business. In 2025, increased bureaucracy, a lack of speed, and low approval ratings have made conventional loan packages through banks and credit unions disadvantageous for scaling real estate investors.
Thus, application timelines have increased, and approval ratings for traditional business loans have declined. These changes have notably affected real estate investment borrowers looking for business purpose loans to expand their portfolio and grow their business. In 2025, increased bureaucracy, a lack of speed, and low approval ratings have made conventional loan packages through banks and credit unions disadvantageous for scaling real estate investors.
Finding New Types of Lending Avenues
These developments have forced both third-party originators (TPOs) and their borrowers to search for new types of business loans or lending avenues. For TPOs, the ability to say “yes” and help borrowers acquire and take advantage of loans defines success in 2025. So, it’s important to understand the different types of lending avenues and business purpose loans (outside of traditional lenders) available in today’s markets.
Fortunately, Roc Capital has compiled a list of the top three lending options for TPOs and their borrowers, including the best option, for sourcing capital in 2025 outside of banks and credit unions:
Fortunately, Roc Capital has compiled a list of the top three lending options for TPOs and their borrowers, including the best option, for sourcing capital in 2025 outside of banks and credit unions:
Real Estate Investment Groups
Real estate investment groups (REIGs) are a collection of investors who pool their money together to purchase and manage investment properties. These groups offer real estate investors, with lack of funding, a way to enter into lucrative properties.
Unfortunately, the divvying up of investment properties minimizes the profitability for real estate investors and leaves them with limited control. For TPOs, pitching a REIG approach to borrowers can be difficult, as the restricted control and dependence on various other investors can be a turnoff.
Unfortunately, the divvying up of investment properties minimizes the profitability for real estate investors and leaves them with limited control. For TPOs, pitching a REIG approach to borrowers can be difficult, as the restricted control and dependence on various other investors can be a turnoff.
Crowdfunding Platforms
GoFundMe and other crowdfunding platforms have become a popular way for individuals to acquire the funding necessary to start businesses, fund projects, and pursue their dreams. This is no different within the real estate investment arena, as TPOs and investors can and have turned to crowdfunding platforms as a means to gain capital funding to source investment projects.
However, similar to REIGs, crowdfunding platforms and business strategies strip investors and originators of control. Although it’s exciting, the crowdfunding landscape lacks regulation and creates significant uncertainties and risks. Investment success is contingent on the success of the crowdfunding platform itself. If the platform fails, or regulatory changes hinder funding abilities, TPOs and their clients can find themselves in a world of financial trouble.
However, similar to REIGs, crowdfunding platforms and business strategies strip investors and originators of control. Although it’s exciting, the crowdfunding landscape lacks regulation and creates significant uncertainties and risks. Investment success is contingent on the success of the crowdfunding platform itself. If the platform fails, or regulatory changes hinder funding abilities, TPOs and their clients can find themselves in a world of financial trouble.
White-Label Table Funding
White-label table funding through private lenders is quickly redefining the real estate investment lending industry for TPOs and borrowers. The private lending sector was once an informal and disconnected industry, lacking the checks and balances and uniformity necessary for ongoing and sustained success. That is, until 2014, when institutional capital providers, like Roc Capital, entered the market, bringing with them the structure, discipline, and benefits of institutional lending–through white-label table funding programs.
White-label table funding, or wet funding, is when a TPO utilizes another capital provider to fund a loan at closing. Private brokers funding real estate investment projects leverage table-funding lenders and their unique types of business loans, like fix and flip, new build, or long-term investment endeavors, to access more capital. In return, TPOs are able to offer more types of lending avenues and ways to say “yes” for borrowers.
White-label table funding, or wet funding, is when a TPO utilizes another capital provider to fund a loan at closing. Private brokers funding real estate investment projects leverage table-funding lenders and their unique types of business loans, like fix and flip, new build, or long-term investment endeavors, to access more capital. In return, TPOs are able to offer more types of lending avenues and ways to say “yes” for borrowers.
White-Label Table-Funding: Accessing the Capital, Structure, Client Relationships, & Freedom You Need in 2025
With White-label table funding through institutional capital providers, TPOs gain the capital, resources, and structure necessary to help investors grow their portfolio and succeed in today’s markets. And, unlike REIGs and crowdfunding, white-label table-funding provides TPOs and borrowers more control over the investment property–giving them more say and profit-potential throughout.
White-Label Table Funding Example
Table-funding programs, like Roc Capital’s White Label Table Funding, are designed to provide TPOs with adequate structure and financing, while enabling them to focus more on their clients.
How?
Roc Capital and its team of underwriting experts implement their proven loan approval processes–handling all underwriting aspects and, if approved, funding distribution. Throughout the process, Roc Capital operates anonymously, enabling TPOs to maintain and build professional and authoritative relationships with borrowers.
Here’s how Roc Capital’s White Label Table Funding program works:
How?
Roc Capital and its team of underwriting experts implement their proven loan approval processes–handling all underwriting aspects and, if approved, funding distribution. Throughout the process, Roc Capital operates anonymously, enabling TPOs to maintain and build professional and authoritative relationships with borrowers.
Here’s how Roc Capital’s White Label Table Funding program works:
- The borrower (real estate investor) applies for a loan for an investment property with a private lender (TPO). The TPO represents itself as the capital lender to the borrower.
- The TPO “brings the loan” (i.e., identifies the investment property and borrower) to the table-funding lender (Roc Capital).
- Behind the scenes, Roc Capital does the loan underwriting, including overseeing and drafting all loan documents. If the deal meets the lending standards, Roc Capital funds the loan.
- Roc Capital wires the money directly to the borrower at the “closing table.” The TPO is not required to contribute any money toward the closing on the property.
Table funding programs, like Roc Capital’s White Label Table Funding, provide TPOs with proven and structured processes throughout, enhancing all operational aspects when it comes to:
- Wire transfers
- Loan servicing
- Accounting
- Construction draw approvals and releases
With Roc Capital’s expert team, uniform transactional operations, and capital backing handling all capital components and funding, TPOs gain the freedom, time, and resources to enhance customer service, build relationships, and take on more investment clients!
Enhancing the Lending Process for TPOs with Roc Capital
Roc Capital’s White Label Table Funding program helps TPOs access the funding, structure, and enhanced client relationships needed to elevate and scale their mortgage business. Not only do brokerage firms gain access to bigger and better opportunities, they gain a trusted partner, with the team and resources available to help them navigate the evolving and competitive real estate investment market.
Roc Capital has all types of lending options in place to cater to a borrower’s unique needs, including:
Roc Capital has all types of lending options in place to cater to a borrower’s unique needs, including:
- Fix and Flip Loans
- Ground Up Financing
- Stabilized Bridge Loans
- Single Property Rental and Rental Portfolio Loan Options
If you’re ready to break free from the hassles of traditional lenders and enhance your lending experience for borrowers, look no further than Roc Capital and our White Label Table Funding program. To learn more, CLICK HERE to schedule a meeting today.
