First Lien Capital Technology Overview
Proprietary Technology Stack

Technology-Driven
Asset Management

Purpose-built systems for distressed mortgage resolution — connecting acquisition, servicing, loss mitigation, and disposition into a single intelligence layer.

Loan Ranger™
Asset Management Platform
Vendor Bridge
Vendor Workflow Platform
Garrett 2.0
Deal Intake Agent & AI Analyst
Dr. SPOC
AI Single Point of Contact
Reporting
Live Investor Dashboards
"Powered by technology. Delivered by people."
02 — Operating Platforms First Lien Capital
Core Operating Systems

Loan Ranger™ + Vendor Bridge

Two integrated platforms managing the full lifecycle — from acquisition and boarding through vendor coordination and disposition.

Platform 01

Loan Ranger™

Asset Management Platform
Loan Ranger portal screenshot
  • Real-time portfolio tracking across all trades and investor pools
  • Servicer API integration with Statebridge for live data sync
  • Investor read-only portal with role-based access controls
  • Workflow management for the full NPL / REO lifecycle
Live · 1,300+ loans client.firstliencapital.com
Platform 02

Vendor Bridge

Vendor & Client Workflow Platform
Vendor Bridge client portal screenshot
  • Service order management across the full preservation network
  • Vendor network coordination with status tracking and SLAs
  • Client portal for servicers, banks, and institutional partners
  • Eviction & property preservation workflow automation end-to-end
In Development · Q2 2026 vendorbridge.netlify.app
03 — Reporting Layer First Lien Capital
Investor Intelligence

Live Reporting & Investment Intelligence

Two flagship dashboard suites delivering portfolio-level reporting and per-asset diligence directly to our institutional investment partners.

WFL HECM Portfolio
Monthly Review — March 2026
CONFIDENTIAL
Executive Summary Recent Activity Performance Risk & Watchlist
Portfolio KPIs
Total
167
$42.1M Cost
Closed
28
29.6% ROI
REO
23
$6.84M Proj
Active FC
97
Various
HUD Reimb
$768K
5 Recovered
MOIC
1.27x
22.7% AROI
Portfolio Status Breakdown
FC: 97
28
23
18
Foreclosure (97)
Closed (28)
REO (23)
Pre-FC (18)
BK (1)
90-Day Projected Liquidations
Closings
26
Gross
$9.57M
Net
$8.99M
Profit
$1.44M
Portfolio KPI Dashboard
Investor-facing monthly portfolio review — KPIs, status breakdown, projected liquidations, and waterfall analytics across the full HECM book.
FIRST LIEN CAPITAL — Initial Valuation Report
New York, NY 10024 · Upper West Side · CRE NPL Note Purchase
DRAFT
Executive Summary Borrower Intel Market Comps Comp Map Strategy Risk Valuation
$20.3M
UPB
$1,137 / SF
$22.2M
Total Claim
Incl. $2M int
$43.0M
Sellout
$2,406 / SF
$6.8M
Cost to Compl.
Budget + arrears
Subject Property
Loan Detail
Loan UPB $20,300,000
Tax Reserves ($408,635)
CAM Reserves ($629,636)
Net Balance $19,261,729
Accrued Int. $1,495,644
Default Int. $491,867
TOTAL CLAIM $22,158,469
Deal Intelligence — IVR
Per-asset diligence packets including borrower intel, market comps, comp maps, acquisition strategy, risk analysis, and valuation — generated for every bid we evaluate.
All dashboards are password-protected, mobile-responsive, and shared directly with investment partners.
04 — In Build First Lien Capital
What We're Building

G2 Capital Markets Intelligence Engine

Deal Intake Agent & AI Analyst — automating the path from broker email to executed bid recommendation. A fully autonomous secondary market trade desk.

01 Broker Email
›
02 Garrett AI Classifies
›
03 Tape Processed
›
04 Model Runs
›
05 Bid Analysis
›
06 Dashboard Updated
›
07 Bill Approves
AI Email Intelligence
Reads broker emails, extracts deal characteristics, and detects bid deadlines automatically.
Automated Pricing
Runs Excel models (HECM, NPL, CRE) via API integration — sub-minute analysis at scale.
Deal Portal
Live pipeline dashboard at deals.firstliencapital.com — currently in build.
"Powered and Executed by Technology.
Controlled and Delivered by Humans."
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