Our Lending process is as simple and intuitive as the cloud can make it. We’re here to help you expand your operation and do what you do best, without worrying about capital needs. Sharestates has loaned out nearly $1 billion since its inception and now closes about $50 million in new loans every month. Sharestates is asset class agnostic. Whether it’s a Residential 1-4 Family property, Multi-Family property, Mixed-Use property, or otherwise – we’re here to provide you with the funding you need.  You’d just need to pass our 34-point screen that emphasizes your credit score, experience, and track record. Our platform can provide you with short term bridge loans, mid-term and/or long-term rental loans.

Sharestates knows investors who are as eager as you to get started. We also have the streamlined process to funnel that cash where it can do the most good. And we only approve your application if we’re sure you’re a good borrower. That’s why Sharestates can offer you interest rates as low as 7% — far less than you might find on other platforms or through other lenders.


Property Geographic Area Details

Nationwide except 4 states: NV, ND, SD, VT

Loan Amounts

$100,000 to $20,000,000

Interest Rates

7% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

0.5% to 4.0%

Loan Terms

6 months to 120 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Mixed-Use
  • Multifamily
  • Office
  • Retail
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Commercial Long-Term

Specialty Loan Types

  • Residential Long-Term Rental
  • Partner Buyout

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only
  • Amortized

Payment Structure Details

Most loans are Interest Only. Amortization only applied to long-term commercial and residential rental loans.

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Legal Disclaimer

Sharestates Investments, LLC is licensed by the Department of Business Oversight, California Finance Lender #60DBO-63030. Arizona Mortgage Banker License #0946263. NMLS ID #1538766.

Sharestates is a real estate investment marketplace that allows individual and institutional investors to participate in rigorously vetted debt offerings. All of the offerings on Sharestates’ platform have passed through a 34-point underwriting process. Founded by Allen Shayanfekr and real estate veterans, Radni Davoodi and Raymond Y. Davoodi of the Atlantis Organization, Sharestates has combined proprietary technology with a proven track record of business development expertise to become the fastest growing real estate crowdfunding marketplace, doubling every year since its 2015 launch.


NMLS #1538766, CFL #60DBO-63030, AZ Mortgage Banker #0946263

Year Established



  • Marketplace Lending Association - Member
  • American Association of Private Lenders - Member
  • Mortgage Brokers Association - Member
  • Forbes Real Estate Council - Member

Office Locations

11 Middle Neck Road, Suite 316, Great Neck, NY 11021

Primary Capital Source

  • Own Funds
  • Other Private Lending Companies
  • Private Equity Funds
  • Hedge Funds

Alternative Capital Sources

  • Individual Investors
  • Crowdfunding
  • Asset Management Companies

Loan Structure for Majority of Loans

  • Own Balance Sheet
  • Multiple Investor Fractionalized Note
  • LLC Syndicated Investors

Alternative Loan Structures

  • Table Funding with Capital Partner
  • Table Funding with Bank

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Banking
  • Residential Mortgage Banking
  • Commercial Real Estate Investing
  • Residential Real Estate Investing
  • Real Estate Development

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


Michael Ramin

VP, Business Development (National)

Michael is the VP of Investor Relations and Business Development at the Atlantis Organization. Since taking over this position in 2012, Michael has created alliances with some of New York's largest developers and investors. Michael's clients alone have closed or developed over $300 million in projects in the last year. Prior to Atlantis, Michael managed over 4,000 commercial and industrial properties for the Metropolitan Transportation Authority. Further, Michael negotiated the acquisition and disposition of properties requisite to expanding and improving the transportation network for the MTA. Michael will use his knowledge & experience in the Sales/Marketing phase to procure investors and sponsors for the expansion of the site and company user base. In addition, Michael is spearheading the development of the Sharestates social media platform.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.

Photo Link

Add links to documents, photos, etc.

Attachment Link