Helping Real Estate Investors
Move Faster & Smarter
Move Faster, Invest Smarter.
Move Faster, Invest Smarter.
Welcome to ZINC’s Borrower Tools.
ZINC’s Borrower Tools are built to help real estate investors move faster, invest smarter, and build lasting wealth and freedom—one property at a time. From pre-approvals and deal analysis to draw requests and loan management, each tool is designed to bring clarity, confidence, and efficiency to every stage of your investment journey, so you can focus on winning deals and growing your portfolio with certainty.
Preapproval Letter Now Not Later
A pre-approval from ZINC Financial, a reputable balance sheet private money lender, confirms you have verified capital and the ability to perform. Because loans are funded with our own balance-sheet capital and underwritten in-house, sellers and brokers know your offer is backed by certainty—not assumptions. A ZINC pre-approval helps you move faster, negotiate stronger, and win deals with confidence.
Deal Profit Analyzer
Our Deal Profit Analyzer has been built, tested, and refined over nearly 20 years by university economics professors, accountants, CPAs, and attorneys. Proven through real-world use, it has analyzed more than $5 billion in fix-and-flip transactions, helping investors make informed, disciplined decisions. Join the ZINC COMMUNITY and use the Deal Profit Analyzer to evaluate your next deal with confidence, protection, and certainty before you buy.
Servicing
Our servicing department manages a full range of loan-related requests, including insurance tracking, property tax review, payoffs, reinstatements, and collections. Our policies are firm and non-negotiable, ensuring consistency and fairness across our portfolio. At the same time, our team operates with professionalism and respect—answering your call, listening carefully, and providing appropriate solutions to support you throughout your investment journey. Reach out today to learn more.
Borrower Portal
ZINC Financial is known for its technology and a seamless, end-to-end borrower portal. The portal is your centralized hub to apply, manage your loan, communicate with our team, request draws, and oversee your entire loan lifecycle with ease. Log in today to explore powerful tools designed to simplify your project and keep everything moving efficiently. Want to learn more? Reach out to us today.
Request A Draw
ZINC is one of the longest-operating fix-and-flip and ground-up construction lenders in California, with nearly 20 years of construction management experience. By submitting your draw request with proof of install and proof of , your draw request can typically be reviewed, approved, and funded within approximately 48 hours. Our servicing team is available to guide you through the process, help prevent delays, and ensure a smooth draw experience. We’re here to support you at every stage of your investing journey.
Request Payoff
Ready to complete your investment and move on to your next opportunity? Submit your payoff request through our system, where your information will be routed to the appropriate team at ZINC Financial for review and processing. A response is typically provided within a few business days. Please note that a $35 statutory payoff fee, as permitted by the State of California, applies to each payoff request.
Request Reconveyance
To request a reconveyance for a loan with ZINC Financial, please complete the form below and submit the required fee. A $300 fee applies to each reconveyance request, with a standard processing time of 15 days.
Payment of the reconveyance fee is required regardless of whether a reconveyance was previously issued by ZINC Financial or by your title and escrow company. Any fees charged by your title and escrow company are separate from fees paid to ZINC Financial.
Forms
Application PDF
SOW – 75k and under Rehabs
SOW – 150k & over Rehabs & Ground Up
Condominium Project Questionnaire
Rent Roll
Community Amortization Calculator
Community DSCR Calculator
COMMUNITY Deal Analyzer
Community Contractor Contract