BY RACHAEL DONHAM
Q4 2025 Market Outlook: Bridge Lending Opportunities
Analysis of current market conditions and emerging opportunities in bridge lending across major metros.
Read ArticleOur Team
The technologist who rewrote the rules.
The deal-makers who built empires from scratch.
The mountaineer with a black belt in data.
Leadership that Delivers. Experience You Can Trust.
We're not a typical lender. We're an AI-first technology company built by leaders who have closed over $100 million in real estate transactions, built platforms processing 10,000+ loans annually, and turned raw data into actionable market intelligence.
Our mission: out-execute everyone, in service of the customer.
Our Edge – Zookey and the Cult of the Customer
At the center of our customer obsession is Zookey IQ, which remembers every conversation and tracks your project milestones. Zookey understands your goals and anticipates your needs — from the first quote to final payoff.
Zookey is why deals close faster, service feels sharper, and partners stay longer. It's the backbone of our AI-first architecture, engineered to deliver precision and personalization no legacy lender can match.
Leadership Bios
Douglas Wiker
Chief Executive Officer
The Builder of High-Performance Lending Engines
Douglas built large real estate portfolios from scratch, ran high-volume fix-and-flip operations, and has serviced over $100 million in bridge, construction, and term loans. He's been a borrower, operator, and lender — and has the battle scars to prove it. When he's not structuring deals, you'll find him pushing limits outdoors, bringing the same grit to the trail that he brings to the boardroom.
Berto Torres
President
The Deal-Maker with Relentless Speed
Berto's career spans acquisitions, development, and loan servicing on hundreds of projects. His operational instincts and ability to close fast keep our lending engine running at full throttle. He speaks multiple languages and has negotiated deals in boardrooms from Miami to Madrid.
Rory Rawlings
CFO / CTO
The Architect Who Changed Fintech — Twice
Rory wrote the original patent that built Avalara (NYSE: AVLR), designed its core architecture, and coded the first version. Now he's building an AI-first lending platform powered by SparkJar (sparkjar.agency). He also built a multi-realm knowledge graph that, paired with any LLM, learned how to manage companies — and now it's running this one.
Rachael Donham
Head of Research
The Economist Who Turns Data into Decisions
With a master's in economics and early experience in commercial real estate at Fidelity Investments in Boston, Rachael has deep expertise in sourcing and integrating government and private-sector data. She transforms complex datasets into market intelligence that sharpens our lending and investment strategies. A mountaineer, she's summited Mt. Rainier near her home — and holds a black belt in data.
Recent Insights from Our Team
BY DOUGLAS WIKER
Why Speed Matters: Closing Deals in 10 Days
How our AI-first approach and streamlined processes deliver the fastest closings in the industry.
Read ArticleBY RORY RAWLINGS
Building the Future: AI in Commercial Lending
Technical deep-dive into how SparkJar's AI platform revolutionizes lending operations and customer experience.
Read ArticleThis is the team reshaping commercial lending.
Let's talk about what we can do together.