The world of hard money loans and real estate financing presents unique challenges for lenders and investors. Whether you're financing commercial real estate, fix-and-flip projects, or construction loans, having quick access to accurate financial data is essential for mitigating risk and making informed lending decisions.
Soft Pull Solutions offers a powerful tool for hard money lenders and real estate professionals, giving you access to vital credit information without impacting your clients' credit scores. Our easy-to-integrate APIs allow you to perform soft credit pulls from trusted bureaus—Experian, Equifax, and TransUnion—providing you with the insights you need while maintaining your clients' privacy and financial health.
Services We Support:
Commercial Real Estate Loans
Hard Money Loans
Fix and Flip Loans
Construction Loans
Distressed Property Financing
Rehab and Renovation Loans
Asset-Based Loans
Buy and Hold Loans
Non-Owner Occupied Loans
Private Lenders
Real Estate Brokers & Investors
Auction Purchases
ADU (Accessory Dwelling Unit) Financing
Key Advantages with Soft Pulls
With Soft Pull Solutions’ customizable API integration, you can adapt our platform to meet the specific needs of your real estate or lending business. Our solution helps you save time, reduce administrative overhead, and improve workflow efficiency, all while enhancing your ability to assess risk accurately.
By integrating our soft pull technology into your operations, you can:
Get a Full Credit Report and Score
Access a complete credit report, including the consumer’s credit score, to make informed and data-driven decisions.
Avoid Impacting Consumer’s Credit in Any Way
Evaluate credit information without affecting the client’s credit score or triggering any negative impacts.
Get Phone Consent
Easily document consumer consent via phone to remain compliant while streamlining the approval process.
Access Public Records
Gain visibility into relevant public records, including bankruptcies, liens, and judgments, to better assess risk.
Access Collections
See any collection accounts that could affect the client’s ability to repay, helping you make smarter lending decisions.
Our reliable, secure credit reporting tools ensure that your company stays organized, compliant, and capable of delivering superior service to clients, while helping you expand your market reach.
Advantages of Soft Pulls for Hard Money Loans & Real Estate
1. No Impact on Client Credit Scores
Soft pulls allow you to access essential credit data without lowering a client’s credit score or leaving a mark on their credit report. This is critical in the real estate industry, where protecting clients' credit is paramount, especially in the competitive hard money loan market.
2. Quick and Efficient Credit Reporting
Get instant, real-time access to credit reports—saving you time and ensuring faster decision-making. In the world of hard money loans, speed is everything, and soft pulls help you maintain that competitive edge.
3. Accurate Financial Insights for Better Lending Decisions
Obtain a complete picture of a client’s financial situation, including existing debt, payment history, and any potential red flags that could affect the success of the loan. This leads to better-informed decisions and reduces the chances of loan defaults.
4. Streamlined Loan Approvals
The streamlined process allows you to expedite loan approvals for fix-and-flip projects, rehab loans, and construction financing, ensuring you can meet deadlines and keep real estate deals moving.
Additional Services to Enhance Your Business
Hard Pull Credit Reports: For more detailed financial scrutiny, our hard pull option provides comprehensive credit profiles to further assess a client’s financial standing.
Public Records Access: Gain access to liens, judgments, bankruptcies, and other public records that may impact your lending decision or real estate investment.
Income and Employment Verification: Instantly verify client income and employment status to better assess their repayment ability and reduce risk.
Integrate Your Website: Seamlessly integrate a customer-facing web application into your website to allow clients to start the credit process and receive pre-approval letters instantly.
ID Verification: Authenticate identities in real-time with advanced ID and driver’s license verification for fraud detection and enhanced security.
Let Soft Pull Solutions help you streamline your hard money lending or real estate financing process while protecting your clients' financial health. Contact us today to learn how we can support your business growth with our powerful, secure credit reporting tools!
Additional Reports & Features
When you sign up with Soft Pull Solutions, you’ll have access to a variety of other detailed reports and services designed to meet your specific business needs. Click the button to view a full list of reports available to your account.
Difference Between Soft & Hard Pulls
| What Is Different? | Soft Pulls | Hard Pulls |
| Impact on consumer credit? | No | Yes |
| Social Security Number required? | No | Yes |
| Date of Birth required? | No | Yes |
| Does running an inquiry create trigger leads? | No | Yes |
| Do you need to print a Risk-Based Pricing Notification and give it to the consumer after you pull the report? | No | Yes |
| Is it a full credit report? | Yes | Yes |
| Is a FICO Score included with the report? | Yes | Yes |
| Is the report sufficient for tenant screening purposes? | Yes | Yes |
| Can I get consent over the phone? | Yes | Yes |
See the Difference Firsthand
Click below to view a sample soft pull report and discover how it can streamline your processes today!