YouLand

About YouLand

YouLand is a financial technology company that operates as a direct lender for residential real estate investors across the United States. Founded in 2016 by CEO Richard Jia, a former private equity investor with an MBA from The Wharton School, the company was established to simplify and modernize real estate lending. Jia's background in financial services, including a role at Fillmore Capital Partners, informed the creation of YouLand's data-driven platform.

The company provides fast, flexible, and reliable capital for a variety of investment projects, including fix-and-flip, bridge, ground-up construction, and rental loans. Its business model is centered on its technology platform, which uses data and algorithms to automate and streamline the entire loan process from origination and underwriting to servicing. This allows for rapid funding, with closings possible in as little as five days and loan amounts up to $10 million. By operating as a direct lender, YouLand controls its own capital, eliminating the need for external approvals and speeding up the process.

YouLand serves a diverse client base that includes self-employed borrowers, foreign nationals, and investors with imperfect credit. The company's online portal allows clients to price scenarios, generate instant pre-approvals, and track applications in real-time. As of 2023, YouLand had funded over $1 billion in loans for more than 900 deals. The company is venture capital-backed, with investors including Angel Plus and Sina iask, and is headquartered in San Francisco, California.