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FEATURES
Market Screener
Market Insights
Property Screener
Comparables
Underwriter
Financing Options
Products
Small-Medium Balance Sheet (SMBS)
Senior Secured Stretch (S3)
Emerging Manager Program
Fulcrum Treasury
FEATURES
Market Screener
Market Insights
Property Screener
Comparables
Underwriter
Financing Options
Products
Small-Medium Balance Sheet (SMBS)
Senior Secured Stretch (S3)
Emerging Manager Program
Fulcrum Treasury

Product

Emerging Manager Program

Fulcrum’s Emerging Manager Program provides debt, equity, technology and data solutions to uncover hidden investment opportunities and accelerate the growth of high potential emerging managers.

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OverView

Fulcrum Lending is focused on the next generation of real estate investors and managers.  

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For decades, venture investment has driven innovation and uncovered the next generation of leaders that not only see the future but can execute on it today. 

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We seek to expand this approach to real estate investment, because without investment, there is no progress—no innovation.

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The Fulcrum Difference

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We’ve reimagined the entire lending ecosystem to serve you. By elevating the next generation of emerging managers, we propel the world forward, unleashing the power to create housing needed today and for the future.

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Our Emerging Managers benefit from Fulcrum’s best in class technology and capital solutions so they can focus on the core business of investing. 

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GEOGRAPHY

Nationwide

QUALIFICATIONS

At least 10 years of real estate investment and/or management experience in private equity, investment banking, mortgage banking, consulting or advisory 

Existing Real Estate Portfolio of $10M+

Investable net worth of $1M+

Local Operator

Strategies

Program Highlights

Financing for the acquisition or refinance of small to medium balance loans, offering partial-term and full-term interest only 

Streamlined process for underwriting, closing, and funding

Streamlined loan documents

Flexible prepays 

Additional Funding Details and Terms

Funding Timeline
30-60 days
Fixed Term
1-10 yrs
amount
$1 million to $20 million
Leverage
Up to 80% LTV
DSCR
1.15x Minimum in Strong Markets
Max Amortization
Up to 30 years 
Interest Only
Permitted on Moderate Leveraged Properties in Strong Markets and Low Leveraged Properties in Small Markets
Prepayments
Declining Prepayment and yield maintenance available for all loan types
Recourse
Non-recourse and Recourse options available

Fulcrum Treasury

— a private solution to treasury management for business accounts and high net worth individuals
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Overview

Investing wisely requires managing risk and prioritizing relative value and return. But what about when investment opportunities are scarce? It's just as critical to make smart decisions about what to do with idle cash.

That's where Fulcrum comes in. We understand the challenges facing investors today: fewer safe investment opportunities, lower equity returns, higher interest rates, and inflation concerns. That's why we developed Fulcrum Treasury - a high-yield cash account that's FDIC-insured and backed by low-leverage, high-quality multifamily real estate loans. With Fulcrum Treasury, you can rest assured that your cash is working hard for you, even in uncertain times.

High Yielding

Up To

5.0%

15x APY greater than the average rate on savings accounts

FDIC Insured

Up To

$2 Million

Backed by the full faith and credit of the US government

Asset Backed

Multifamily Loans

<55% LTV

Only multifamily loans, not riskier small business loans

Liquidity

Accesss Funds

Monthly

Access your capital when you need it without penalty

Safety

In addition to FDIC insurance, Fulcrum takes protection a step further and protects your cash against any potential losses with its own cash, taking the first risk position of any potential loss to the whole loan.

Liquidity

Available capital when you need it. Earn above market rates on your cash while you wait for your next investment opportunity. Withdraw funds at 30 days notice.

Relative Return

Earn up to 5.0 percent on your cash compared to the average savings account yield of 0.33 percent.

Relative Value

Insured by the FDIC and protected by additional risk capital provided by Fulcrum Lending, Fulcrum Treasury is backed by high quality multifamily real estate loans. Every dollar held in a Fulcrum Treasury account is protected with nearly 2X coverage in value, and nearly 1.50X coverage on interest income paid to Fulcrum Treasury account holders.

FAQ's

What is Fulcrum Treasury?
Fulcrum Treasury is a cash management tool for institutions and high net worth individuals (HNWI) to protect their cash while earning a higher yield with monthly liquidity.
How does Fulcrum Treasury work?
Fulcrum Treasury is a product offered by Fulcrum and custodied at an FDIC insured bank. Fulcrum links the deposits to loans made by Fulcrum to provide yield to Fulcrum Treasury participants.
What is backing Fulcrum Treasury?
Fulcrum Treasury is backed by low leverage multifamily real estate loans of less than 55% loan-to-value (LTV).
How is liquidity provided?
Liquidity is provided through the FDIC bank holding custody of your funds and the multifamily loan linked to your deposits. The bank will provide a line of credit on your deposits secured by our Fulcrum Loan.
What is an A-Note?
An A-Note is the most senior debt position within the capital structure of a real estate investment. There is no other debt more senior to the A-Note which provides it the greatest protection against any potential loss.
What makes your loans safer than other loans?
Our loans are only made after rigorous analysis, due diligence and multiple layers of credit review and approval. Fulcrum also provides additional risk capital behind the A-Note, which is a B-Note. This type of debt absorbs any potential first losses before A-Note realizes any losses.
How are you able to provide yield?
Our yield comes directly from the real estate loan. Typically banks and debt funds price in an additional fee layer that reduces the yield to note investors. Fulcrum operates more cost effectively, and thereby passes through the higher yield to investors.
What fees are associated with Fulcrum Treasury? 
There are no fees associated with Fulcrum Treasury. You simply open an account with our partner bank to hold your funds and we provide you a yield on your deposits.

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Our team would love to hear from you.
hello@fulcrumlendingcorp.com
+1 (424) 337-1677
216 E 45th Street, New York, NY 10017
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Fulcrum Lending provides direct permanent financing as well as access to Fannie Mae® and Freddie Mac’s® multifamily loan programs for properties with 5 or more units.

Our team of expert lending specialists and our LoanCenter platform will empower you with the knowledge, transparency, and expertise you need to get more out of your multifamily investments.
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Disclaimer: Fulcrum Lending is not affiliated with the Freddie Mac, Fannie Mae, Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Freddie Mac® is a registered trademark of Freddie Mac. Fannie Mae® is a registered trademark of Fannie Mae.