Answers for Yalla Funding Solutions

At Yalla Funding Solutions we pay attention to the details. We don't just process deals and get loans — we take the time to talk with clients, understand their needs, and evaluate other options that may be out there. We take things to a higher level and do not run a loan factory like many others do.

It's critical. A lender needs a clear, concise story on why the deal works. Long pitch decks and complex spreadsheets usually don't help — you have 2–3 minutes to get interest. A tight presentation with the documentation the lender expects is the secret to getting a strong offer.

Besides the practical value of saving time and money, lenders will often charge more to unbrokered clients because they end up doing a lot of the work the broker would handle. A good broker reduces friction for the lender, which can help keep pricing tighter and the process smoother.

Lenders have a target return for a loan. They can reach it through upfront points or buydowns, the interest rate, or a prepay structure — they care about the total economics, not where it comes from. Many lenders use time‑value‑of‑money modeling to calculate those numbers. In simple terms, the value of a loan is the interest it will earn over the expected term, especially during the prepay period (adjusted if prepay declines over time). As a rule, you can trade points for rate as long as the prepay period is long enough.

Appraisals usually must be ordered by the broker or the lender. Appraisals ordered by an owner are rarely accepted. Lenders go through AMCs, and many have restrictions on which AMCs they will use. Most lenders also maintain a blacklist of appraisers and AMCs they will not accept.

A good broker saves you time and money in the long run by matching the deal to the right lender, packaging it the way that lender wants to see it, and avoiding avoidable dead ends. Relationships and market knowledge help negotiate terms, and experience helps you know what issues to push back on and what not to push on. A good broker also knows how to compare offers and help you identify the best one — because what looks like the best offer on the surface may not be. The goal is to get you the best financing for your project and a cleaner path to approval and execution.

Credit is a fast proxy for financial responsibility and reliability of the sponsor. It often impacts leverage, pricing, and lender comfort — even when the deal is asset-backed.

Anywhere from a day or two to 90+ days depending on the loan type and terms. As a rule, the longer the close, the better the terms. Most investment loans can close in about 14 days with decent terms. Commercial tends to take a bit longer as the underwriting is more involved. Bridge closes faster than permanent financing.

Recourse loans allow the lender to pursue additional assets if collateral doesn't satisfy the debt. Non-Recourse is generally limited to the collateral (often with carveouts) and is more common on larger commercial executions. Non-Recourse defaults will still affect credit.

There isn't a single universal minimum. Many lenders like to see ~660+, but we can often find solutions below that — with the right structure, liquidity, and collateral story. We also have financing solutions that do not even run credit, though all will run a background check and recent defaults and bankruptcies will show and may affect eligibility.

There are often third-party costs we do not control, even on smaller loans, such as appraisals, credit, and background checks. Commercial loans often have commitment fees to cover underwriting costs such as commercial appraisals, environmental reports, and background checks. Once a term sheet or Letter of Intent is accepted, the borrower can no longer shop the loan, and there is often a break-up fee if the borrower does not close, especially on commercial loans.