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Real assets. Strong returns.

Want outstanding yields from a turnkey mortgage portfolio? Look no further.

Start Investing →

Attractive products. Returns you'll love.

Invest with us to get access to high yields, a wide array of mortgage products, fractional diversification, and durations as short as 6 months.


Oh yeah, did we mention it's free to join? It's a win-win-win-win-win.

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Institutional quality. Consumer access.

You benefit from a reliable, institutional-grade mortgage platform trusted by some of the largest credit funds in the world. Get access to sophistication and quality with none of the complexity or fees.

Build a diversified strategy in minutes.

Take control or lean back. You can pick individual loans or we can build you a portfolio instantly. Either way, it’s easy to start earning immediately with a collection of investments you can trust.

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It's easy to invest...

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1. Create An Account

Create your secure lending account and fund it with ease by connecting via ACH or wire transfer.

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2. Choose Investments

View our wide array of investment opportunities. Filter by any criteria. Assess the risk/reward profile.

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3. Earn Returns

Receive a fractional interest in the loan. When the borrower makes a payment, you receive principal and interest.


Institutional Whole Loans

Join top banks, credit funds, private equity firms, family offices, and university endowments in partnering with us. Purchase whole loans from our institutional-grade loan production pipeline.

Schedule A Call →


Consumer Fractional Notes

Get the same access, data, tools, and institutional-grade loans with the additional benefit of small commitments and fractional ownership enabled by our Platform Notes.

Signup Now →

Common Questions

  • How do I invest on the platform?

    The FlipLend investor platform makes it very easy to invest across the spectrum for both large institutions and individual retail investors. Institutions who want to invest should us to setup a time to talk. Individuals who want to invest can self-serve signup, see investment opportunities immediately, and invest within days.

  • Who is eligible to invest?

    For now, only “accredited investors” can invest on the retail platform, which means you must meet certain minimum annual income or net worth thresholds. In addition, we may impose additional limitations on investor eligibility from time to time to comply with applicable laws and regulations or otherwise ensure investment suitability for potential investors. In certain circumstances, we may utilize third party accreditation services to verify that potential investors meet the requisite eligibility criteria and investors will need to be screened and verified before viewing potential investment opportunities.

    On the institutional side, we currently work with many different classes of investors including hedge funds, private equity, mortgage desks, family offices, university endowments, and more.

  • What is the process like for an individual investor?

    To apply to become an investor on the FlipLend platform, sign up as an investor to get started. We’ll guide you through our quick verification process to confirm your eligibility to invest on the platform. Then, you can connect your bank account, specify an amount, and pull funds directly to your secure platform account. Those funds will then be available for your investment almost always within 48 hours. While you’re waiting, you can browse investment opportunities. When the funds have arrived you can buy into loans with two clicks and specify the amount you want to invest. Then, you instantly receive a principal interest in a Platform Note and start earning cash flows that day. It’s that simple.

  • Can I pick my loans or are they assigned?

    Institutions generally work with us on a forward flow basis that is passive and aligns with one of our core product specifications. Between the time the loan is assigned to the investor and when the trade is formally printed, investors can login to their investor dashboard and view their collateral.

    Individuals are able to login, browse/search all investment opportunities, select ones that interest them, and specify the investment amount they wish to commit.

  • Are there minimum commitment amounts?

    $10,000 is the minimum required capital to invest on FlipLend, but participations in individual notes can be as low as $1,000.

  • How long is my capital locked up?

    Your capital will be deployed for the length of the loan term. It could be shorter if there is a prepayment by the borrower. It could be potentially longer should the loan have any issues of delinquency or default towards the end of the term. This is all conditioned on the payment behavior of the borrower for the underlying mortgage that then drives the repayment of the Platform Note.

  • What happens if a loan goes into default?

    We will inform investors if any significant actions are taken on loans related to their investments, but we handle the process from end-to-end. That means the special servicing of working out the loan and successfully recovering principal and interest is all handled by the platform in addition to the regular every day activities. The entire process is truly turnkey for the investor.

  • Who can I talk to for support?

    We're standing by. Please call 1-888-221-6663, Invest@tierralc.com, or live chat with us if you need help at any point.

See All Related Questions →

Why invest with FlipLend?

Unbeatable Returns

We offer unique high yield products backed by reliable borrowers and rigorous credit standards.

Turnkey Access

You signup, fund your account, invest, and begin earning. That’s it. We do everything else.

Reliable Income

Steady investment gains come to you backed by the confidence of a diversified pool of notes.

Ready to build your mortgage portfolio?

Real assets. Strong returns. Invest today.

Start Investing Now →
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This overview does not constitute an offer to sell or a solicitation of an offer to make an investment (the “Investment”) in the borrower dependent promissory notes described on this web site. No such offer or solicitation will be made prior to the delivery of definitive documentation relating to the borrower dependent promissory notes. Before delivery of the Documents (as defined below), the status of potential investors as “accredited investors” under the rules of the Securities and Exchange Commission (the “SEC”) must be verified by a third party service, which may include review of the investor’s financial information, as required by SEC rules. Before making an investment decision with respect to the Investment, potential investors are advised to carefully read and understand the borrower dependent promissory note that will govern the Investment and all related disclosure materials and other documents (collectively, the “Documents”). Further, potential investors are advised to consult with qualified tax, legal and financial advisors. This overview contains a summary of the purpose and principal business terms of the Investment. This summary does not purport to be complete and is qualified in its entirety by reference to the more detailed discussion contained in the actual text of the Documents. You should not assume that the information contained in this web site or in any of the Documents is accurate as of any date later than the date shown on this web site or any of the Documents or such other dates as are stated on this web site or in any of the Documents.

Some of the statements contained on this web site and in the Documents are forward-looking statements. You should not rely upon forward-looking statements as predictions of future events. These statements involve known and unknown risks, uncertainties, and other factors that may cause an investment’s actual results, performance, or achievements to be materially and adversely different from any future results, levels of activity, performance, or achievements expressed or implied by these forward-looking statements.

You can identify forward-looking statements by words such as “may,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “targeted,” “projected,” “underwritten,” “estimates,” “predicts,” “potential,” or “continue” or other words having similar meanings, or the negative of these terms. These forward-looking statements include, but are not limited to, statements concerning FlipLend, its online platform, plans and projections and related risk factors.

Although FlipLend believes that the expectations reflected in the forward-looking statements are reasonable, guarantees of future results, levels of activity, performance or achievements cannot be made. Moreover, neither FlipLend nor any other person or entity assumes responsibility for the accuracy and completeness of forward-looking statements. No person or entity is under any duty to update any of the forward-looking statements.

Neither the SEC nor any state securities commission or regulatory authority has approved, passed upon or endorsed the merits of this offering or the issuance or sale of the borrower dependent promissory notes or determined if the Documents or this web site are truthful or complete.


H.I.S. Loans operates via NMLS ID #1523028.

© 2015 FlipLend. All rights reserved.

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