The fastest growing Non-QM wholesale lender in the nation

Life's better with Cake.

Non-QM, DSCR, and second mortgages for your next borrower.

Become a partnerFind a loan program

8 programs, each named for a cake.

Which programs should I review?

Enter your scenario to find programs to review. Confirm the matrix details with an account executive before you submit.

Income or loan type

8 programs not ruled out

Each program allows each of your numbers somewhere on its matrix. The finder does not check them together, or occupancy, purpose, property type and overlays. The matrix may not allow this combination.

13 counting their Lite and Investor versions

  • Coffee Cakealso LiteMin score 680 · Max LTV 80% · Max loan $2.5MView matrices
  • Cup Cakealso InvestorMin score 620 · Max LTV 90% · Max loan $4MView matrices
  • Velvet CakeMin score 660 · Max LTV 90% · Max loan $3.5MOpen matrix PDF
  • Sponge Cakealso LiteMin score 620 · Max LTV 90% · Max loan $3MView matrices
  • Funnel Cakealso LiteMin score 660 · Max LTV 90% · Max loan $3MView matrices
Price it with an AEReview all 8 programs

Confirm eligibility with the matrix and guidelines before quoting or submitting a file.

Submission to funding, one layer at a time.

StagePurchaseRefinance
  1. Self-discloseInstantInstant
  2. Underwriting1-2 days1-2 days
  3. Conditions1-2 days1-2 days
  4. CD issued1 day1 day
  5. Docs and funding1-2 days1-2 days

Made in‑house.

Your account executive, your underwriter, and your closer all work for Cake. These are the people who run those teams, and you can call any of them by name.

  • David Abelyan

    David Abelyan

    President & CEO

  • Andre Yerkanyan

    Andre Yerkanyan

    FVP, Sales

  • Manuk Ashdjian

    Manuk Ashdjian

    VP of Business Enterprise Solutions

  • Rich Mango

    Rich Mango

    SVP of Operations

  • Arin Baghermian

    Arin Baghermian

    SVP, Learning and Development

  • Albert Mardikian

    Albert Mardikian

    VP of Account Managers

  • Bryan Snoke

    Bryan Snoke

    Executive Vice President – Head of Servicing and Corp Compliance

Call with a scenario.

30 minAverage account executive response

Talk a file through before you submit it. Mon to Fri, 8 AM to 6 PM PT.

(833) 717-0401
10,000+
Loans funded
$10B+
In volume funded
1,000+
Broker partners
48 + DC
States licensed

Send us the next one.

Apply online, or request a callback and an account executive calls within 24 hours.

Become a partner(833) 717-0401

Already approved? Broker login (opens in a new tab)Broker support (213) 462-2905

A cupcake with mint frosting and a lit candle