How It Works
Finding the right lender, simplified
We take the legwork out of finding a commercial mortgage lender. Here's exactly how it works — and what we do and don't do.
1. Tell us about your deal
Share a few details: loan amount, property type, location, and your timeline. It takes about a minute, and we don't pull your credit.
2. We make the introduction
We match your scenario to the lender, fund, or capital partner in our network whose criteria it fits, and introduce you directly. We don't originate or negotiate the loan.
3. You work with the lender
The lender contacts you with its own rates and terms, and you deal with them directly from there. Provenance Capital isn't a party to your loan — and there's zero obligation.
Frequently asked questions
Is Provenance Capital a lender?+
No. We're a directory and introduction service. We connect borrowers with third-party lenders and capital providers — we don't originate or fund loans ourselves.
Are you a mortgage broker? Do you negotiate my loan?+
No to both. We publish a lender directory and make introductions. We don't negotiate, offer to negotiate, or attempt to negotiate loan terms on your behalf, we don't take a fee out of your loan, and we're not compensated based on whether your loan closes. Once we make the introduction, you deal with the lender directly.
Do you need a New York mortgage broker license?+
New York's Department of Financial Services registers mortgage brokers under Banking Law Article 12-D, which covers consumer-purpose loans on 1–4 family homes. We don't handle those. And because we make introductions rather than negotiate loans, we don't act as a real estate broker under Real Property Law §440 either. See our licensing & disclosures page for the full statement.
Can you help with a mortgage on my house?+
No. We handle business-purpose commercial and investment-property financing only. If the property is your primary residence, or the loan is for personal, family, or household use, we can't help — you'll need a licensed residential mortgage broker or lender.
How much does it cost?+
Nothing. Borrowers never pay Provenance Capital a fee, and no fee is deducted from your loan proceeds. We're paid a flat recurring advertising fee by the capital partner holding each territory. It's the same price whether we pass along two requests a month or two hundred, and it doesn't change if your loan closes — so we have no stake in whether you borrow, or from whom.
Will you call or text me?+
Only if you ask us to. The phone field is optional and we request permission separately, in a box that's unchecked by default. If you don't check it we discard your number instead of storing it, so neither we nor the lender ever gets it, and follow-up happens by email. You get matched the same either way, and you can withdraw permission any time.
Will this affect my credit score?+
No. We don't pull your credit — the form only asks you to estimate your range. Any credit check happens later, and only if you choose to formally apply with a lender.
What types of loans can I get?+
SBA 7(a) and 504, conventional CRE, bridge, construction, multifamily, hard money, and fix & flip loans — for business-purpose deals across a wide range of property types in all five NYC boroughs.
How fast will I hear back?+
Most borrowers are contacted within one business day. Timing depends on your scenario and the lender you're introduced to.
What we do — and what we don't
We do
- Publish a directory of NYC commercial lenders
- Match your scenario to a lender's stated criteria
- Introduce you to that lender, at no cost to you
We don't
- —Lend, originate, underwrite, or fund loans
- —Negotiate or attempt to negotiate loan terms
- —Charge borrowers, or take a cut of your loan
- —Handle owner-occupied residential mortgages
- —Call or text you without your express permission
Provenance Capital is not a lender, mortgage broker, or real estate broker, and does not provide legal, tax, or investment advice. Read the full licensing & disclosures statement.
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