CAPITAL ORIGINATION PARTNERSHIP
Affiliate Broker & Lender Partnership Program
A structured way for brokers and private lenders to monetize borrower relationships without carrying the full balance sheet.
Private Bridge • Fix & Flip • Ground-Up Construction
Market Need
The problem for local originators
Good loan opportunities often outgrow the affiliate's capital base, risk tolerance, or access to institutional execution.
Capital constraint
Limited liquidity can prevent brokers and smaller lenders from closing larger or more frequent deals.
Concentration risk
Funding loans directly can create asset-level concentration and put pressure on liquidity.
Limited exit infrastructure
Most affiliates do not have the reporting, servicing, draw control and capital-markets infrastructure to scale.
Tower Fund Capital gives affiliates a way to keep originating, protect the borrower relationship and avoid choosing between a one-time fee or full balance-sheet risk.
TFC Solution
A single institutional execution partner
Tower Fund Capital provides the capital, underwriting discipline, closing infrastructure and portfolio execution that let affiliates focus on origination.
Existing borrower access, broker relationships, local market intelligence and recurring deal flow.
Bridge, fix & flip and ground-up construction transactions that fit the Tower credit box.
Funding capacity, credit review, legal documentation, closing coordination, servicing and draw oversight.
Aggregation, reporting standards and capital-markets strategy to support ongoing origination capacity.
Operating Model
Relationship protection is central to the model
The affiliate remains the local relationship owner. Tower supports execution behind the scenes and interacts with the borrower only under an agreed communication protocol.
Affiliate Broker /
Local Originator
- Owns borrower relationship
- Provides local market intelligence
- Sources qualified opportunities
Borrower /
Loan Asset
- Bridge loans
- Fix & flip
- Ground-up construction
Tower Fund Capital
- Master Lender
- Capital Provider
- Execution Platform
Term sheet • Underwriting • Documentation • Funding • Servicing • Construction draw control
Purpose: strengthen execution while protecting the affiliate's borrower access and repeat-deal relationship.
Partner Options
Three engagement tracks
Affiliates can select the role that matches their economics, involvement and risk profile.
- $0 capital required
- Referral or broker fee
- Borrower relationship protection
- Fastest onboarding path
- Tower funds at closing
- Origination points above Tower fee
- Yield spread where structured
- Agreed local borrower role
- Selective risk retention or sale to Tower
- Loan-level participation yield
- Enhanced economics
- Guideline-based execution
Plain-English positioning: more involvement can support higher economics, but affiliates do not need to warehouse every asset to participate in the platform.
Illustrative Economics
Economics at a glance
Illustrative $2,000,000 loan; 11% borrower coupon; 2.5 total points. Actual results depend on transaction structure and definitive agreements.
Broker / Referral
Refer approved deal; Tower handles underwriting and closing path.
$0 required
1.0% broker fee
$20,000
Table Fund / Co-Originating
Partner co-originates; Tower table funds and sets base rate.
$0 required at closing
1.5% net points + 0.5% spread
$40,000
Participation / Whole Loan Sale
Partner originates or retains selected exposure; Tower purchases or participates to guidelines.
Fund or retain agreed piece
2.0% net points + 1.5% spread
$70,000
Examples only; not a commitment, securities offering or guarantee of compensation.
Lifecycle Economics
Where securitization fits
Securitization is not a front-end promise. It is a portfolio-level strategy that can help recycle capital and create additional execution capacity when enough eligible loans are aggregated.
1. Origination
Affiliate earns approved referral, broker or origination economics at closing.
2. Loan-level yield
Where structured, the affiliate can earn spread or participation return during the loan term.
3. Aggregation
Loans with consistent underwriting, reporting and servicing can be pooled into institutional portfolios.
4. Secondary execution
At scale, the pool may be financed, sold or securitized to recycle capital and support future originations.
Affiliate takeaway: better execution capacity today, plus a possible path to documented portfolio-level economics where legal, licensing and transaction structure permit.
Risk + Credit Box
What Tower carries — and what the affiliate keeps
The model is built to reduce funding and operational burden while preserving the affiliate's relationship value.
- Funding capacity
- Credit review and structuring
- Legal, closing and documentation
- Servicing and asset management
- Construction draw oversight
- Portfolio aggregation and capital markets
- Origination economics
- Borrower relationship access
- Local market role
- Repeat deal opportunity
- Optional participation income
- Balance-sheet efficient growth profile
Business-purpose, non-owner-occupied real estate credit secured by tangible collateral and clear exit strategies: bridge loans, fix & flip, and ground-up construction.
Process + Next Steps
Simple path to begin
The goal is to move from relationship review to first funded transactions with a clear role, economics and communication protocol.
- 1Introductory call
Review markets, volume, borrower base and typical loan profile.
- 2Select structure
Referral, table funding/co-origination, participation or whole-loan sale.
- 3Execute agreement
Document fees, borrower communication, licensing, confidentiality and economics.
- 4Submit pipeline
Initial deals, preliminary review, term sheet and closing path.
- 5Close, track, repeat
Maintain visibility into servicing, draws and future pipeline opportunities.
Tower Fund Capital provides the capital, structure and platform. Affiliate partners provide borrower relationships, local market access and quality loan opportunities.
Thank You
Affiliate Broker & Lender Partnership Program
33 East 33rd Street
Suite 1000
New York, NY 10016
646.564.3499