Private Money Lending
Private Money Lending: Know the Lien Before You Wire
Private lending moves quickly. The collateral work still has to be right.
Scalance supports private and hard money lenders with pre-funding collateral title reports, borrower and entity lien and judgment sweeps, post-funding lien position confirmation, construction draw title support and portfolio lien audits.
The work follows the loan instead of stopping at the wire. Before funding, the lender gets the title and lien picture. After closing, Scalance checks what was actually recorded. During construction, title and lien conditions can be checked before subsequent draws. When a loan pool is acquired, lien position can be re-verified across the portfolio.
24–48 Hour Turnaround
Pre-funding collateral reports.
50-State Coverage
Nationwide search with local recording requirements.
Entity-Level Sweeps
Borrower, guarantor and LLC, not only the parcel.
Funded to Recorded
Lien position confirmed after closing.
Why Private Lenders
Deal Moving Fast?
A private loan can go from application to funding on a compressed timeline. Scalance provides pre-funding collateral title reports in 24–48 hours so the title review does not become the bottleneck.
Hidden Exposure?
The parcel is not the whole exposure. Scalance searches the borrower, guarantor and LLC for liens and judgments alongside the property search.
Raw Land Deal?
Land and unimproved parcels can carry access, legal-description and recorded-encumbrance issues that deserve the same diligence as improved property. The service explicitly includes land and unimproved collateral diligence.
Position Uncertain?
The closing package is not the same thing as the public record. Scalance confirms the recorded mortgage or deed of trust and reports lien-priority exceptions after funding.
Lien Assurance Across the Whole Loan Lifecycle
The service runs as a lifecycle, from the collateral report through recording confirmation and portfolio audit.
Pre-Funding Diligence
Pre-funding is where the lender still has a choice. The purpose of the review is to identify title, lien, borrower and collateral issues before the wire goes out.
- Rapid pre-funding collateral title report
- Title commitment exception review
- Legal description and parcel matching
- Borrower and entity lien and judgment sweep
Closing & Post-Funding
The loan is not operationally complete simply because the closing occurred. The public record still has to show what the lender expected.
- Closing and recording coordination
- Executed document completeness review
- Recording rejection follow-up
- Recorded mortgage and assignment retrieval
Construction Draw Support
Construction lending creates another point where title conditions need attention. Scalance can support the title and document work between draws while the lender retains the draw decision.
- Title updates before subsequent draws
- Recorded mechanics' lien searches
- Lien-waiver collection and checklist review
- Coordination of title endorsement requests
Specialty Collateral & Portfolios
Not every private loan is secured by a standard residential property. Scalance can re-verify lien position and encumbrance status across a portfolio.
- Land and unimproved collateral diligence
- Ownership and recorded-encumbrance research
- Access and easement identification
- Portfolio lien audits for loan-pool acquisition
Onboarding Your Lending Desk
01
Kickoff & Lending-Scope Confirmation
Finalize states, collateral types and turnaround SLAs in one business day.
02
Pilot Run — 10 Files
Start with 10 live files. No setup fees and no long-term commitment, allowing the lender to evaluate the workflow on real deals before expanding volume.
03
Live Funding Flow
Move approved files through SLA-backed delivery, quality control and secure delivery. The workflow can then continue into recording verification and exception tracking when required.