How to Build a Track Record That Gets You Funded Faster

Jay Sookhakitch
Aug 11
2 min read

Getting funded isn’t just about the deal—it’s about you. Private lenders want to know they're backing someone who can execute. So if you're wondering how to get better terms, faster approvals, or just more yeses, building a strong track record is key.

Here’s how to do it, even if you’re just getting started.

A person managing finances at home with a laptop, calculator, and notes, framed by a calm workspace featuring plants and coffee.

1. Start Small, But Start

You don’t need to build a 10-unit development to prove yourself. A clean fix-and-flip or a solid BRRRR on a single-family home can show lenders that you:

Stay on budget
Hit timelines
Understand local markets

Document everything. Keep before-and-after photos, budgets, scopes of work, and final sale or appraisal data. It all counts.

2. Document Your Wins (and Lessons)

Lenders love numbers. Create a basic portfolio PDF or spreadsheet that shows:

Property address
Project type (flip, rental, etc.)
Purchase and rehab costs
Final sale price or appraisal value
Timeline

Even better? Include what went wrong and how you handled it. That shows maturity and problem-solving skills—not just luck.

3. Get Referrals from Professionals

If your GC, agent, or past lender can vouch for you, that builds instant credibility. Ask for short testimonial blurbs or offer to list them as references. Lenders often reach out to these folks to get a read on how you operate.

4. Keep Your Credit and Docs Ready

Track record isn’t just about real estate. Your financial organization matters too.

Know your credit score
Keep recent bank statements and tax returns handy
Organize your Corporate docs if investing through an entity

Clean paperwork = faster underwriting.

5. Show Skin in the Game

Lenders love when you put your own money in—even if it’s just the first 10% of a rehab. If you’re light on cash, demonstrate how you’ve contributed in sweat equity, project management, or local market insight.

6. Don’t Oversell. Be Real.

No one has a perfect record. If you’ve had a deal go sideways, own it. Explain what you learned and how you’d avoid that pitfall next time. Being transparent goes a long way with private lenders.

7. Leverage Partnerships Early On

If you’re brand new, partner with someone experienced. Maybe you handle the day-to-day and they sign on the loan. That way you gain reps, reduce risk, and build a story lenders can trust.

8. Lending Beats Crowdfunding for Speed and Credibility

Platforms that crowdfund real estate deals might sound appealing, but they often come with slower timelines, complex investor structures, and less flexibility. Traditional private lending through groups like Alvear Lending gives you a direct relationship, quicker decisions, and a chance to build trust with repeat performance. That relationship can be a major edge as your portfolio grows.

9. One-Stop Lending Has Major Advantages

Working with Alvear Lending means more than just getting a loan. Our one-stop platform streamlines your funding process and rewards proven operators. If you've built a strong track record, you may also raise equity on Alvear ventures our crowdfunding partner.

While we always stay within Regulation CF compliance and do not publicly advertise individual investments, our network-driven model helps connect experienced operators with aligned capital behind the scenes. It's private, fast, and built on trust.