How It Works
Smarter underwriting.
Better opportunities.
Seamless returns.
AI finds and underwrites better deals. Blockchain runs fund operations and investor management end-to-end. Partners source deals and raise capital. The result: a private credit platform that delivers stronger, more transparent opportunities.
The Platform

Your capital, working smarter across a pipeline of opportunities.

Wbuild Capital is a private credit investment platform built on two pillars: AI that finds and underwrites better real estate lending opportunities, and a blockchain-powered backoffice that handles everything from investor onboarding to distributions — seamlessly and at scale.

This means better deal selection through technology that traditional lenders can't match, a seamless investing experience regardless of check size, and complete transparency into every opportunity on the platform.

Modern residential development
How We Find Better Deals
AI-powered lending.
Four stages. Better outcomes.
Technology identifies the strongest opportunities, underwrites them faster, and manages them more efficiently — so every investment on the platform earns more and risks less.
01 — Source

Intelligent Deal Origination

Origination partners source bridge loan opportunities from their local markets and investor networks. Each deal is instantly digitized and run through our AI intake engine, scoring fit against platform criteria before a human reviews it.

🧠
AI auto-scores property type, location, and borrower profile
📊
Real-time comp analysis from 12+ data sources
⚡
24-hour preliminary term sheet generation
🔒
Only deals meeting ≤65% LTV threshold advance
Deal Pipeline
AI Scored
3BR Renovation — Austin, TXHot
Loan Request$420,000
AI Score92 / 100
Townhouse Flip — Tampa, FLWarm
Loan Request$310,000
AI Score78 / 100
Multi-unit ADU — Phoenix, AZNew
Loan Request$545,000
AI ScoreAnalyzing…
02 — Underwrite

AI + Human Diligence

Our AI engine runs a comprehensive analysis: automated appraisal validation, borrower credit assessment, market trends, and exit probability modeling. A fully-formed credit memo is generated for human review and final approval.

📄
AI-generated credit memo with risk scoring
🏠
Automated property valuation cross-referencing
🔍
Borrower history & exit strategy validation
✅
Human underwriter signs off on every loan
Credit Analysis
AI Engine
92
Strong — Recommend Approval
LTV
61.2%
DSCR
1.42x
Exit Prob
94%
Mkt Risk
Low
03 — Fund & Service

Close in 7–14 Days

Digital closing workflows eliminate bottlenecks. Title, escrow, doc prep, and lien recording are tracked in a single dashboard. Once funded, blockchain records the transaction and automated servicing begins — payment tracking, draw management, compliance monitoring.

⛓
Every disbursement recorded on-chain
📋
Automated draw schedule & inspection tracking
🔔
Smart alerts for maturity, delinquency & covenants
🔒
First-lien position secured at recording
Closing Tracker
On-Chain
✓

Title Cleared

No liens or encumbrances

Day 1
✓

Docs Executed

Note, deed of trust, assignment

Day 4
✓

Lien Recorded

First-lien position confirmed

Day 6
●

Funds Disbursed

$420,000 to escrow

Day 8
○

Blockchain Verified

Transaction hash pending

Day 8
04 — Distribute

Recycle & Return

As loans repay, capital is recycled into new opportunities. Distributions flow through smart contract waterfall logic. Every dollar movement is visible in the investor portal in real time.

💰
Smart contract waterfall logic automates LP distributions
🔄
Capital recycled into new opportunities continuously
📊
Real-time NAV & portfolio reporting
🎯
Attractive risk-adjusted returns on every opportunity
Distribution Waterfall
Smart Contract
💵

Loan Repayment Received

#WBC-0038 • Full payoff

$435K
🏦

A-Note Repayment

Senior leverage facility

$315K
⭐

Preferred Return

Distributed to LPs first

$72K
📈

Performance Allocation

GP incentive above hurdle

$9.6K
🔄

Capital Recycled

Re-deployed into new loans

$38.4K
City skyline at dusk

Better deals deserve a better experience.

From the moment you invest to every distribution you receive — the platform handles it all.

Your Investing Experience
Onboarding to distributions.
Seamless from end to end.
The blockchain-powered backoffice handles everything behind the scenes — fund structuring, KYC, subscriptions, reporting, and distributions — so your experience as an investor is clean, fast, and institutional-grade. Partners can onboard their own investors and give them the same premium experience.
Deal Side

Origination & Underwriting

AI-powered sourcing, credit analysis, and automated closing workflows that compress 45-day timelines to 7–14 days.

🧠

AI Deal Scoring & Underwriting

Automated comp analysis, credit memos, risk modeling

📄

Smart Document Ingestion

OCR, extraction, validation of full loan packages

⚡

Digital Closing & Servicing

Automated draw management, compliance, and alerts

Asset Management Side

Fund Admin, Investor Ops & Fundraising

Everything from structuring and onboarding to reporting and distributions — at scale. Partners can bring their own investors onto the platform with the same institutional-grade experience.

🏢

Fund Structuring & Setup

Entity formation, legal framework, compliance configuration

👤

KYC/AML & Investor Onboarding

Digital identity verification, accreditation checks, investor intake

💳

Subscription & Capital Collection

Subscription agreements, money collection, investment documentation

📊

Reporting & Distributions

Automated investor statements, NAV, quarterly reports, waterfall payouts

🤝

Affluent Investor Access

Onboard and manage investors below traditional $100K minimums with the same institutional experience

What This Means
The operational advantage
that compounds
📈

Faster Allocation

Widen your investor base without adding internal ops. More investors onboarded means faster capital raised and deployed into deals.

🏨

Premium Experience at Scale

Every investor — whether $25K or $500K — gets the same clean, institutional-grade portal, reporting, and communication. Volume doesn't degrade quality.

🎯

Partners Focus on Deals & Fundraising

Partners source deals and raise capital through their networks. Wbuild handles the processes, admin, compliance, and reporting behind the scenes.

Why Blockchain
The engine behind a
better investing experience.
Blockchain isn't a feature — it's what makes everything faster, more transparent, and more reliable. From instant onboarding to automated distributions, it's why the platform just works.
⛓

Immutable Audit Trail

Every origination, disbursement, interest payment, draw, onboarding event, and distribution is permanently recorded on-chain. Complete auditability from Day 1.

OriginationsPaymentsDrawsKYC Records
📜

Smart Contract Distributions

Waterfall calculations encoded in smart contracts. Repayment events auto-trigger LP distributions — eliminating manual calculations, delays, and spreadsheet risk.

Preferred ReturnCatch-UpPerformance Allocation
💱

Tokenized Fund Accounting

Each investor's position is represented on-chain, enabling real-time NAV, instant position snapshots, and future transferability without legacy custodian friction.

Real-Time NAVPosition TrackingTransferability
🔍

Transparent Investor Portal

Investors see every transaction, every distribution, every loan in the portfolio — verified on-chain. No black boxes. Complete transparency without phone calls or PDF reports.

Live DashboardTransaction HashesVerified Records
Operation
Traditional Fund
Wbuild Capital
Audit Trail
Spreadsheets & email chains
Immutable on-chain records
Distributions
Manual calc & wire (2–3 weeks)
Smart contract auto-trigger
NAV Reporting
Quarterly, delayed 30+ days
Real-time, on-demand
Investor Onboarding
Paper-heavy, multi-week process
Digital KYC, same-day verification
Investor Visibility
Quarterly PDF reports
Live portal + chain verification
Minimum Investment
Typically $100K+
Lower thresholds, same experience
Reconciliation
Multi-day manual process
Zero reconciliation needed
AI Engine
Six layers of intelligence.
One platform.
Every stage of the loan lifecycle is augmented by AI — not to replace humans, but to give them superhuman context and speed.
🏠

Automated Valuation

Cross-references 12+ data sources for instant property valuations. Comparable sales, market trends, and neighborhood risk factors analyzed in seconds.

12+data sources per valuation
📄

Smart Doc Ingestion

Upload loan packages and AI extracts key data points automatically. OCR, classification, and validation in one step.

90%reduction in intake time
📊

Predictive Credit Scoring

Beyond FICO. Track record, exit probability, market conditions, and deal-specific risk combined into a composite score.

360°borrower risk profile
📝

AI Credit Memos

Full credit memos generated in minutes. Investment thesis, risk factors, mitigants, and recommendations — structured for human review.

48hsaved per credit memo
⚠️

Portfolio Stress Testing

Scenario analyses across the entire portfolio. Rate shocks, market corrections, and default cascades modeled before they happen.

100+scenarios per simulation
🤖

Programmatic Lending

For repeat borrowers with strong track records, AI pre-approves future deals based on learned patterns — days of work into minutes.

<24hpre-approval for repeats
Execution Speed
30–45 day closings are
a thing of the past
Our digital-first infrastructure compresses every step. Borrowers get certainty, partners get volume, and investors get better opportunities.

Traditional Lender

30–45 days
Application Review5–7 days
Underwriting7–14 days
Appraisal7–10 days
Doc Prep & Legal5–7 days
Closing & Funding5–7 days
VS

Wbuild Capital

7–14 days
AI Intake & Scoring< 24 hrs
AI + Human Underwrite2–3 days
Automated Valuation1–2 days
Digital Doc Prep1–2 days
Close & Chain Record1–3 days
Ready to Invest?
See what smarter private credit looks like.
Explore investment opportunities, review the platform, or talk to our team about how Wbuild Capital fits your portfolio.
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