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This is a working visual preview of OPM Exchange — the full platform is in active development and will launch to vetted users in Q3 2026.
You can navigate between the public-facing pages to see how the marketplace, broker, borrower, and lender flows are being designed. Live functionality, accounts, and deal posting are not yet enabled.
A vetted marketplace connecting sponsors, brokers, and private debt capital. First-lien commercial mortgages from $500,000 to $10,000,000. 100% of the rate goes to the lender — no spread.
Sponsor profile, project posting wizard, document library. Vetted by our underwriting team before going live to lenders.
Bring your borrower clients to a marketplace built for the brokerage community. Co-broker fees protected, deal credit preserved, full pipeline visibility.
First-lien commercial mortgages, fully documented. We take no spread — every basis point of interest goes to you.
100% of the negotiated rate flows directly to lenders. We earn from borrowers, not from your yield.
Sponsor profile, deal submission, optional Blue Checkmark underwriting by our attorney-led team.
Submitting brokers retain deal credit, get paid at close, and never get cut out. Co-broker model preserved.
Each funded deal closes into a single-purpose LLC. Clean isolation, clean accounting, automated K-1s.
Every loan secured by recorded first mortgage. No mezzanine, no preferred equity, no surprises.
Operating agreements, payment history, tax documents, deal status — all available on demand.
Whether you're funding a project, brokering a deal, or seeking yield — OPM Exchange is built for serious capital.
OPM Exchange runs a structured, vetted process from the moment a deal is submitted through the wire on closing day. Here's exactly what happens at each step.
Sponsor builds a profile, posts the deal through a guided wizard, and uploads required documents. Each submission requires an escrow deposit ($5,000–$10,000) to filter tire-kickers and cover hard costs.
AI pre-screen runs first. Then a human review by our internal team confirms eligibility before any deal goes live to lenders. Optional Blue Checkmark upgrade triggers a deeper attorney-led underwriting and verified badge.
Verified accredited lenders browse the marketplace, filter deals, and review full underwriting packages. Commitment moves through three stages: Soft Indication, Hard Pledge with good-faith deposit, then Funding Call.
Each funded deal closes into a newly formed single-purpose LLC. Lenders are members; the LLC is the lender of record. Clean liability isolation, clean tax treatment, clean accounting.
All documents executed via DocuSign. A local title company in the property's jurisdiction handles closing and records the mortgage with the register of deeds. Remote or in-person.
Monthly distributions to lenders. Annual K-1s prepared and delivered through the lender portal. Deal status, payment history, and operating documents available 24/7.
Walk through any of the role-specific journeys to see how OPM Exchange works for borrowers, brokers, or lenders.
For sponsors with real assets and real exits. First-lien bridge debt from $500,000 to $10,000,000. Posted, vetted, and funded through a marketplace built for serious operators.
Distressed acquisitions. Office-to-residential conversions. Bridge to refinance. Value-add repositioning. The deals that take more than a checkbox to underwrite — and that conventional banks can't move on quickly enough.
OPM Exchange is run by an attorney-developer who has actually closed these deals. The diligence framework is built around what really matters: clean title, real exits, sponsor track record, and capital stack discipline.
Speed. Standard tier closes in 3–4 weeks. Premium tier (Blue Checkmark) closes in 5–6 weeks with a verified badge that gets faster lender pickup.
Transparency. Real-time deal status. See pledge progress, lender questions, and document checklist completion in your portal.
No spread games. The rate you negotiate is the rate the lender earns. We're paid by you at close, not by skimming from your debt service.
Pre-launch deals are reviewed manually by our team. Tell us what you're working on and we'll give you an honest read.
Direct access to first-lien commercial mortgages, fully documented and reviewed by our internal team. We take no spread. The rate you see is the rate you earn.
Most marketplace lenders take a spread off the top — sometimes 100–200 bps — before passing the loan through to investors. That's their margin, but it's your yield.
OPM Exchange doesn't take a spread. The borrower pays a transparent commission to the platform at close. The lender earns the full negotiated interest rate. Period.
Pre-vetted deals. Every deal passes a three-gate review before going live. Sponsor profile, AI pre-screen, human review. Optional Blue Checkmark deals receive deeper attorney-led underwriting.
First-lien only. Every loan secured by recorded first mortgage. No mezzanine, no preferred equity, no quiet seconds.
Clean structure. Each deal closes into a single-purpose LLC. Limited liability isolated per deal. Annual K-1s prepared and delivered through your portal.
$100K minimum check, $500K floor on deals. Sized for serious capital, not retail aggregation.
Accredited investors only. We verify accreditation per Reg D 506(c) before any deal-level access is granted.
OPM Exchange is the only marketplace built around the broker. Submit your client's deal, lock in 24-month tagging, charge your own points, and get paid at close — automatically.
The broker brought the deal. The broker keeps the deal. We pay you a 50 bps referral fee on every funded transaction — automatic, on top of whatever points you negotiate with your client.
And we don't go around you. Once you tag a client, every deal that client closes through OPM Exchange in the next 24 months is yours. No re-pitching, no fee disputes, no losing the relationship to the platform.
OPM referral fee. 50 bps of the loan amount, paid by OPM Exchange at funding. Predictable. Automatic.
Borrower-paid points. You set the rate with your client. Disclosed in the package. Collected at close through escrow. Wired to you the same day.
No invoicing. No chasing. Both flow through closing escrow and arrive in your account on funding day.
You drive the full deal submission. Client receives a clean review-and-approve link, e-signs once, and the deal goes to underwriting. ~12 minutes. Best for clients you know well.
Send your client a 30-second invite. Client completes their own submission. You're tagged automatically. Best for new clients or deals you'd rather not package yourself.
Once submitted or referred, the client is tagged to you for 24 months. Every deal that client closes through OPM in that window pays you commission — automatically.
OPM referral fee + your borrower-paid points wire to your account on the same day the deal closes. No invoicing, no follow-up, no chasing.
Free to join for licensed brokers. We verify license and references before activation.