Lendai

Lendai is a financial technology company that provides financing for US residential investment properties to foreign, non-resident borrowers who lack US credit history or residency. Its stated mission is to use technology to give global investors access to the US residential real estate market, which it describes as an outdated trillion-dollar market. The company's product line covers new purchase loans, cash-out refinancing, fix-and-flip loans and bridge loans, alongside adjacent services such as insurance and US entity formation. Financed property types include single-family homes, 2-4 unit residences, condos, townhouses and 5-8 unit buildings, and the company lists more than 40 US states in which it lends, including Alabama, Florida, Georgia, New York, Texas and Washington.

Originally structured as a direct lender that underwrote, finalized and funded its own loans, Lendai stated on its FAQ that it is a tech-oriented direct lender rather than a broker or a hard money lender. According to a December 2025 court filing reported by Calcalist, the company shifted in early 2023 from a financial lender model to a mortgage brokerage model in response to changes in the US market, brokering deals between clients and US financial institutions in exchange for commissions rather than extending credit directly; the filing states this transition made most of its earlier technology development redundant. Under the earlier lending model, all loans were secured by a first lien on the financed property plus personal guarantees from borrowers.

The company markets a fully online loan process, pre-approval within minutes, closing in as little as 14 days (described elsewhere as roughly one-third of the time taken by traditional US lenders), and transparent pricing without hidden fees.