Prospera is now Joist, a private money lender for real estate fix & flip loans! We've rehabbed our company with new technology, new processes, and new standards. ‍

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Prospera Fund I was a four-year venture that taught us what the market of real estate rehabbers, brokers, and lenders need the most. We underwrote over thirty loans during that time using manual processes that helped us dive deep into the details. All of the loans that we made were fully paid back on time and we even had repeat borrowers, which proved that the market is ready for something even better! So we went back to the drawing board to reimagine how lending could be improved. What we came up with is an entirely new business named Joist.

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At Joist, we believe that borrowers, lenders, and partners should all be connected so that information can be accessed by everyone involved in the lending process. Greater transparency enables everyone to thrive!

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So we've built new tools to make your life easier. With Joist, there is no need to go back-and-forth on the phone with your borrower, broker, or lender. Everything about your business can be inputted into your personalized dashboard which organizes your information while also enabling you to borrow or lend money in the future without continually going through the same process.

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We also believe that many steps within the lending process can be greatly improved using modern technology. So we've built software that enables us to better understand your needs. We can offer you the exact amount of money that you need to complete your real estate project at lower rates than ever before. And all of this can happen within days, not weeks.

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This is just the start! The tools that we've created enable borrowers to secure funding quickly and provides lenders with access to real estate deals with ease. We have plans to make Joist the go-to lending platform for real estate fix & flip deals. Our first product will be released soon but have already started to lend using the trusted process we built at Prospera. So if you are in need of financing for your real estate rehabbing project, go to our website (joistmoney.com) and fill out the short application. 

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Stay tuned for more updates. We are looking forward to working with you!