SPHINX CAPITAL

Wholesale Mortgage
Lending Program Unlock faster closings, greater confidence, and tailored solutions with Sphinx Capital. Our wholesale mortgage lending program is built for top-performing brokers managing active scenarios. We work as your dedicated capital partner to help you close deals efficiently while focusing on strengthening client relationships.

Broker With Us

(512) 541-2920

How To Join
Sphinx Capital

Apply Now!

(512) 541-2920

Apply Online

Complete our quick application to get started.

Speak with Our Team

Connect with our lending experts to discuss your goals and explore our programs.

Review Loan Programs

Gain insights into our wide product range, including DSCR, Fix & Flip, Ground Up Construction, Long-Term Rental, and more.

Package Deals

Let us handle the complexities while you focus on your clients. We package and process deals seamlessly.

Close Confidently

Rely on our streamlined processes to close deals quickly, with clear communication every step of the way.

Step 1: Submit Your Deal

Why Brokers Choose
Sphinx Capital

Competitive Pricing

Market-driven rates ensure you're always offering the best deals

Fast Turn Times

Close deals in as little as 7–14 days, depending on the product.

Simplified Processes

Streamlined workflows reduce stress and increase efficiency.

Expansive Reach

Lending available across a wide number of states and products.

Increased Commissions

Boost your closed loan volumes and earnings with our expertly tailored loan programs.

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Apply Now!

(512) 541-2920

VP of Originations

Carlos Velez

As Vice President of Origination at Sphinx Capital, Carlos Velez brings over 12 years of experience in sales leadership and operational strategy to the private lending industry. A proven expert in driving growth, optimizing processes, and delivering large-scale projects with precision, Carlos is known for his ability to turn complex challenges into seamless, successful outcomes.

Before joining Sphinx Capital, Carlos led high-performing teams across multiple industries, earning a reputation for his strategic mindset, process innovation, and commitment to excellence. This skillset means every transaction is handled with efficiency, transparency, and care.

Beyond his professional role, Carlos is passionate about exploring new places and creating meaningful experiences. He enjoys traveling, taking his RV out for camping adventures, and expressing his creativity through music and studio art. Whether on the road, in the studio, or at the office, Carlos brings the same curiosity, creativity, and drive that define his approach to leadership and life.

Apply Now!

(512) 541-2920

CEO

Lance Stukaloff

Lance Stukaloff founded Sphinx Capital after extensive experience in the real estate finance industry – starting with business development for two of the largest fintech lenders in the country. Along the way, Lance built a nationwide network of over 5,000 mortgage brokers, many of whom are still partners today. Lance lives in Sarasota, Florida and actively invests in his own projects across the country.

During the past 10 years in the finance industry he has arranged over $750M in equity and debt for real estate developments and investments worldwide. He holds a bachelor's degree in economics and entrepreneurship from Washington University in St. Louis.

Apply Now!

(512) 541-2920

Operations

Warren Stukaloff

He began his real estate career working as a summer intern for Realty Shares, a startup crowdfunding lending platform in San Francisco.

From there he spent a year as an accountant for a life insurance company before joining forces with Lance at Sphinx Capital.

Warren is a steady analytical wizard, able to quickly discern between potential landmine and goldmine scenarios.

Warren has a degree in Finance & Accounting from Montana State University.

Apply Now!

(512) 541-2920

Recently Funded deals

Deal Type	Address	Loan Amount
Fix & Flip	10524 Catalina Pl, White Plains, MD 20603	$140,000
Fix & Flip	3034 Lundt, Waldorf, MD 20603	$300,000
Fix & Flip	7256 Joplin S, Capital Heights, MD 20743	$120,000
Fix & Flip	Ridgway Ave, Durham, NC 27701	$25,000
Fix & Flip	327 Whittier St, Washington, DC 20012	$340,000

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"Working with Lance and Warren at Sphinx Capital has been a great experience! They are responsive, knowledgeable and make the process easy to understand. We now use them for all of our loan needs, both for renovations and DSCR refinances."

Katie N

Tennessee

"Working with Sphinx Capital on my multifamily purchase was great. Lance made the process smooth and streamlined. I’m looking forward to our next deal!"

Joe D

Florida

"After getting strung along by several lenders, Sphinx Capital was able to quickly qualify and get my loan to the closing table. I’m grateful to have found such a helpful and honest lender."

Marcia T

California

"Sphinx Capital provided the perfect loan structure for our subdivision, including funds for the horizontal site work, interest reserve, and vertical construction. The entire process was easy and they communicated well, allowing us to pay off our previous hard money loan and move forward to the next phase."

Mark S

Texas

"Lance and his team were able to guide our complex project through underwriting with ease. I felt informed the whole way through the process and definitely recommend working with them to structure and prepare your loan proposal for success."

Jose R

Colorado

Our Portfolio