How we make money

Lazarus LLC (“BuilderRates”) is paid by lenders and institutional partners in our network—not by charging borrowers a separate “matchmaking” fee for our standard introduction workflow. We believe that structure keeps our incentives aligned with presenting viable options rather than steering you to the product that pays us the most in isolation.

Lender-paid compensation

When you request an introduction and ultimately close a loan or credit facility with a partner we introduced, that partner may pay us a marketing or referral fee pursuant to a written agreement. The fee is typically based on funded volume or a similar metric and is disclosed to regulators where required. You do not write us a check for that fee; it is paid by the lender side of the transaction.

What we do not do

We do not increase your interest rate so we can get paid more. Pricing is controlled by the lender’s underwriting, market conditions, and your deal profile. We do not sell your personal information to data brokers. Our Privacy Policy describes limited sharing with partners to facilitate your request.

Why this model exists

Institutional lenders rely on trusted channels to reach qualified sponsors. We invest in analysts, technology, and compliance so introductions are serious and well-documented. Partner fees allow us to offer borrowers access to that network without charging an upfront platform fee for the core service described on our homepage.

Questions

If you want additional detail on how compensation works for a specific product or partner, ask your loan officer after we make an introduction or email hello@builderrates.com.

This summary is provided for transparency. Regulatory disclosures may apply; see our Disclosures page.