The AI operating system for private lending
Every lead worked.
Every hour. By AI.
ReaCap replaces your dialer, your CRM, your drip tool, and your first three hires. It sources leads from public records, works them over text, voice, and email, and carries every deal to the closing table.
Process
How ReaCap runs a loan
Source
The public-records engine finds property owners before they ever hit a lead vendor's list. Government data in, no per-lead markup out.
Clear
Contacts are skip-traced, then run through built-in national Do Not Call registry and TCPA litigator scrubbing before outreach.
Work
AI agents qualify, answer, follow up, and re-engage cold leads across SMS, voice, and email. Each agent plans its own next touch instead of running a fixed sequence, and re-plans when a lead goes quiet.
Hand off
When the borrower asks for a person, or the agent hits a question it should not answer, the deal routes to your team with the full thread and the next step attached.
Close
E-signing, document collection, and borrower portal updates carry the deal through funding without a paper chase.
The platform
Everything a lending desk runs on, in one system
Autonomous agents
An AI workforce that plans its own outreach, replans when a lead goes quiet, and pauses itself the moment a human steps into the thread.
Pipeline CRM
Deals, stages, assignments, and scoring built for lending, not adapted to it. Stage changes fan out to email, Slack, and re-engagement automatically.
Power dialer and campaigns
Audience-based dialing and drip sequences for the moments that still need a human voice, coordinated with the AI agents so nobody double-texts.
Lead data engine
Public-records ingestion, skip-tracing, and enrichment across hundreds of thousands of records, with acquisition cost logged per operation and rolled up per qualified lead.
E-sign and documents
Native e-signing, document requests, deduplication, and a borrower portal that shows exactly what is missing and why it matters.
Firm intelligence
A discovery engine that finds, enriches, and scores the firms worth partnering with, so business development runs on data instead of directories.
In the field
Watch it work a lead
In this example the agent identifies itself as AI on the first message, qualifies the borrower, and books the human call. Disclosure is a per-deployment setting, and a verifier holds any outbound that breaks it. No scripts to write, no follow-ups to remember.
Guardrails
Autonomy with a paper trail
Pointing an LLM at a borrower list is a weekend project. Everything below is what it takes to do it inside a regulated business. Consent, licensing, and disclosure obligations stay with the lender. ReaCap gives you the controls to meet them.
- Outbound content guards screen messages before they send
- Built-in national Do Not Call registry and TCPA litigator scrubbing
- The AI pauses itself on complaint signals and human-touch detection
- Prompt-injection screening on every inbound borrower message
- Voice calls are scanned after the fact for anything the AI said that it should not have
- Every AI action is audit-logged and reviewable. Queued outbound can be edited or canceled before it sends, and an admin can pause the agent or take over the thread at any time
- Per-lead spend caps pause an agent that runs over budget on their own
- Passkey MFA on the admin console, step-up confirmation on destructive actions, and bot detection on every public surface
Proof
Not a prototype. A production system.
ReaCap was built by the team at Joseph Capital Network to run their own real estate financing operation. The core platform on this page is running today.
Roadmap
Where the platform goes next
The origination engine is running. Around it sit the pieces that close the loop, from pricing a deal to servicing the loan it becomes. Some are built and rolling out, some are next.
We are opening the platform.
ReaCap is bringing the AI-run lending desk to private lenders and brokers, starting with a small group of early partners. If you run a lending desk, or you work with lenders who do, write to us.