Why Private Lenders
Fund With Confidence
Lien Assurance Across the Whole Loan Lifecycle
From the collateral report that clears the deal to the recording confirmation that closes it out - and the pool audit when you buy the paper.
Pre-Funding Diligence
- •Rapid pre-funding collateral title report
- •Title commitment exception review
- •Legal description and parcel matching
- •Borrower and entity lien and judgment sweep
- •Entity document consistency review
- •Existing lien payoff verification
- •Tax, municipal and HOA charge review
- •Insurance document checklist review
- •Closing condition tracking
What you receive
- Collateral findings report and supporting source documents
- Outstanding conditions and exceptions
- Follow-up tracker with responsible parties
Everything you need before the wire goes out.
Closing & Post-Funding
- •Closing and recording coordination
- •Executed document completeness review
- •Recording rejection follow-up
- •Recorded mortgage and assignment retrieval
- •Post-funding lien position confirmation
- •Final lender's title policy retrieval and review
- •Prior lien release tracking
- •Post-funding exception resolution tracking
Recorded, confirmed, and evidenced for your file.
Construction Draw Support
- •Title updates before subsequent draws
- •Recorded mechanics' lien searches
- •Lien-waiver collection and checklist review
- •Coordination of title endorsement requests
- •Outstanding draw-document tracking
Document and title support between draws. Draw approval remains with the lender.
Specialty Collateral & Portfolios
- •Land and unimproved collateral diligence
- •Ownership and recorded encumbrance research
- •Recorded access and easement identification
- •Deed restriction research
- •Survey and title-document coordination
- •Zoning report ordering and tracking
- •Flood determination ordering and tracking
- •Due diligence document checklist management
- •Portfolio lien audits for loan pool acquisition
The deals standard search misses, and the pools you are buying into.
Onboarding Your Lending Desk
Kickoff & Lending-Scope Confirmation
We finalize states, collateral types, and turnaround SLAs in 1 business day.
Pilot Run (5-10 Files)
No setup fees. Try us on live deals without long-term commitment.
Live Funding Flow
SLA-backed delivery + QC + secure delivery channel.
Collateral diligence at the speed you quote borrowers
Private and hard money lending competes on certainty and speed. A borrower is told how fast a deal can fund, and that promise is only as good as the collateral work behind it. The risk is not usually the property everyone is looking at - it is the judgment against the borrowing entity, the second position nobody disclosed, or the recording that did not land where it was supposed to.
Scalance returns pre-funding collateral title reports in 24-48 hours, with nationwide search across all 50 states and the local recording nuance each jurisdiction demands. Lien sweeps run at entity level: borrower, guarantor and LLC, not just the parcel. Unimproved land and unusual collateral are reviewed with the same rigour as a standard residential file.
After funding the work continues, because a deal is not closed until the record says so. Lien position is confirmed against the record rather than assumed from the closing package, and portfolio lien audits re-check position across a book of loans when paper is bought, sold or pledged.
Private lending questions
How fast is a pre-funding collateral report?
24 to 48 hours. That window exists so a collateral report is not the reason a fast-moving deal slips, and it is the same turnaround whether the search is in one state or several.
Why sweep the borrower and not just the property?
Because judgments and liens attach to people and entities, not only to parcels. A borrower or guarantor carrying a judgment, a tax lien or a pending action can encumber the collateral after closing or complicate enforcement. Searching the entity, the guarantor and the LLC alongside the parcel is what turns up exposure that a property-only search structurally cannot see.
Do you handle raw land and unusual collateral?
Yes. Unimproved parcels, land and non-standard collateral are reviewed with the same process as improved property. These files tend to carry more legal-description and access issues, which is precisely why they are worth examining rather than treating as simple.
What is post-funding lien position confirmation?
A check of the record after closing to confirm the mortgage or deed of trust actually recorded, in the position expected, ahead of anything filed in the interim. Recording delays, rejected instruments and intervening filings all happen, and the gap between funding and recording is where position is quietly lost. Confirming it against the record turns an assumption into a fact.
What does a portfolio lien audit cover?
Position and encumbrance status re-verified across a book of loans rather than one file - typically before a sale, a pledge or a credit facility review, where the buyer or counterparty will do the same work and price whatever they find.
Works With
Teams running private & hard money lending with us usually pair it with these.
Investor Services
Support for notes investors, seller financing, tax lien and deed investing, 1031 exchanges, and default and foreclosure title work.
Title & Settlement
Title services, property tax services, settlement services and ancillary services, delivered on your SLA.
Automation Technologies
Workflow automation, document intelligence and system integration for title and settlement operations.