Why YouLand?
Human touch, tech efficiency
Local know-how meets tech-enabled automation, so your projects never wait.
Empower your brokerage with YouLand
Direct capital, 24/7 support, white‑label branding, and guaranteed broker payouts—everything brokers need to close faster.
Direct lender
YouLand is a direct lender and has complete discretion over our capital. No outside approval is required for us to close.
Close fast
We typically close within 5 days.
Easy process
The application is 100% online and only takes a few minutes.
24/7 support
Around-the-clock support for clients via email and phone from our dedicated broker support team.
We serve a diverse range of clients
SShort-term, investment property, flexible-doc, and large-balance financing options meet every need—from self-employed borrowers and foreign nationals to those with imperfect credit.
Flexible financing at a moment’s notice
Competitive rates, adaptable terms, and dependable capital fund deals in as little as five days, up to $10M.
Manage every deal online
Price scenarios, generate instant pre-approvals, and track applications in real time—all in one portal.
Forget the paperwork and waiting — we make real estate financing fast, focused, and builder-ready.
Step 1: Provide a few basic details to get pre-approved.
Step 2: Submit the required documents to secure the lowest rate.
Step 3: Final underwriting.
States we lend in
YouLand is dedicated to supporting real estate investors nationwide with our technology, capital, and investment experience.
We currently lend in the following 42 states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, and Virginia.
We currently do not lend in the following states:
Idaho, Montana, Wyoming, North Dakota, South Dakota, Iowa, Nebraska, Minnesota.
HOW WE ARE CHANGING THINGS
“Real estate lending is a multibillion-dollar industry that has been slow to adapt to new technology. We have built a next generation platform driven by data and algorithms to streamline and automate the entire process of loan origination, underwriting, servicing and securitization. With this technology and our understanding of the market, YouLand can ensure that we are providing the highest quality real estate investment opportunities, and most importantly, empowering more individuals to achieve their investment goals.”
Richard Jia
Chief Executive Officer / Founder
Our story
YouLand started as a small company with a straightforward goal: to simplify real estate lending. Over time, YouLand has rapidly evolved into a tech-driven powerhouse, delivering fast and reliable financing solutions.
- 2016
THE BEGINNING
YouLand launched in 2016 with a mission to simplify real estate lending. Starting small, we focused on delivering fast, hassle-free financing solutions for investors and homeowners.
- 2021
BUILDING MOMENTUM
With strong customer demand during the pandemic, YouLand rapidly expanded its operations in 2021 and introduced advanced technology to streamline loan processing, reducing approval times and improving user experience.
- 2023
SCALING UP
YouLand reached new milestones in 2023 by funding over $1 billion in loans and supporting more than 900 deals. Our team grew, and so did our commitment to delivering the best and fastest lending solutions.
- 2024
INDUSTRY LEADERSHIP
YouLand has solidified its position as a leader in private lending by integrating AI-driven tools and enhancing our product offerings. We continue to innovate, focusing on growth, customer satisfaction, and making real estate investments more accessible.