Hydeed is backed by a single lender with more than 20 years in private money and trust deed lending. There's no loan committee and no handoffs between departments — the person reviewing your file is the person deciding on it.
That means faster answers and terms that reflect real experience with how these loans actually perform, not a rigid checklist.
Once a loan is approved, it's funded through a network of investors who pledge capital directly to it. You still deal with one lender throughout — the investor network is what lets us fund quickly without waiting on a bank's balance sheet.
Investors choose to pledge to loans that meet our underwriting standards, which is part of why every request goes through the same vetting process before it's offered to them.
Before a loan goes out to investors, it's reviewed for the same things a good private lender has always looked at: equity in the property, a realistic exit strategy, and the borrower's ability to repay.
This isn't just for our investors — it's what keeps rates competitive for good loans. A well-underwritten file is a lower-risk file, and that gets reflected in your terms. See our lending guidelines for the specifics on rates, terms, and fees.