## **CRE Debt is Broken for Both Borrowers and Lenders** The \$3T+ CRE debt market still runs on emails, PDFs, and phone calls. Brokers manually juggle deals with no software, lenders waste time on mismatched leads, and borrowers wait weeks for clarity. Everyone loses — except middlemen who collect 1–2% fees for sending intros. > 🚫 **Manual process = slow deals** * Borrowers wait 2–6 weeks for quotes while brokers “shop around” manually. * Lenders waste time underwriting deals that don’t fit their current criteria. * Everyone operates reactively, without visibility into live deal status. > 💲 **Middlemen make it expensive** * Brokers earn up to 2% just to pass PDFs between parties and for being spam experts. * Deals often fall apart from poor communication or missing documents. * Lenders and borrowers pay for slowness, not value creation. > 🧱 **Zero automation, zero data** * Excel and email still rule. No shared data layer, no structured inputs. * No real-time deal scoring, pricing intelligence, or lender-borrower matching. * Repetitive work = unscalable teams and error-prone pipelines. --- ## **Why this system persists** * **Legacy workflows** – Most brokerages use the same tools they did in 1998. * **No incentives to modernize** – Brokers earn more by being bottlenecks. * **Lenders lack infrastructure** – CRE lenders don’t have modern pipelines or tech teams. * **Borrowers don’t know alternatives exist** – They rely on outdated referral networks. --- ## **Blinka replaces brokers with software** * **Borrowers** upload a rent roll, T-12, and deal summary. We auto-underwrite and match with the 2–4 most qualified lenders. * **Lenders** get clean, structured deals with real-time risk scoring, so they can respond faster and waste less time. * **Everything** lives in one place — from doc collection to LOIs to close probability tracking. --- ## **Blinka is the AI-powered infrastructure for CRE** Blinka eliminates the inefficiencies of legacy brokerage by automating origination, lender matching, and deal tracking. Built for both borrowers and lenders, Blinka replaces the need for traditional brokers—without disrupting how deals are done today. Blinka will become an Uber-like experience that will do for CRE lending what credit cards did for consumer lending. --- ## **How Blinka solves the problem** ### **Automating Origination** ### **Centralizing deal execution** * Parses rent rolls, T-12s, offering memos, and borrower bios into structured deal profiles. * Replaces scattered emails and trackers with a shared, real-time deal dashboard. * Extracts key loan sizing metrics and flags risk factors in minutes—not days. * Tracks document status, LOIs, lender engagement, and close probability end-to-end. * Prepares lender-ready underwriting packages with zero manual formatting. * Borrowers and lenders always know exactly where the deal stands. ### **Precision lender matching** ### **Optimizing economics for both sides** * Surfaces only the most relevant lenders based on loan type, geography, risk appetite, and term preferences. * Replaces manual broker fees with a flat 0.75% fee or subscription. * Prioritizes lender fit over quantity—no more spray-and-pray outreach. * Increases lender response speed and conversion rates through better-fit deals. * Adapts recommendations in real time as lender criteria or deal terms evolve. * Enables borrowers to access capital faster and on better terms—without paying for middlemen. --- ## **What this means for Borrowers & Lenders** * **<72h from docs to lender-ready package** → Move at the speed of capital. * **80% lender match rate vs. \~5%** → No more dead-end conversations. * **Flat, transparent economics** → No surprise fees or percentage cuts. * **Infinite scalability** → Grow volume without growing headcount. > Blinka transforms commercial real estate debt from a broker-led black box into **a fast, transparent, and intelligent system powered by automation and real-time matching.** --- ## **Proprietary Stack and Deployment Framework** > ⚙ **Blinka is an in-house platform for end-to-end loan origination and management.** It features an AI Orchestrator & Insight Engine that detects anomalies, surfaces trends, and drives LLM-powered metric categorization, sub-200 ms lender matching, and an AI SDR conversational agent. Proprietary domain intelligence, validation mechanisms, and adaptable orchestration layers learn from real loan outcomes and feedback, while multi-model resilience ensures security and performance. ### 🙊 **Infrastructure Highlights** * **AI Orchestrator & Insight Engine**: Detects anomalies, surfaces trends, and generates actionable insights from borrower data. * **LLM-powered categorization**: Improves accuracy in underwriting metrics. * **<200ms lender matching**: Seamlessly integrates with full origination platform. * **AI SDR agent**: Qualifies and classifies leads conversationally. * **Live compliance + immutable audit trails**: Ensures trust, traceability, and security. --- ## 🧠 **Domain Intelligence and Architecture** * Works with LLMs (OpenAI, Anthropic, Groq), but stands apart via: * Proprietary domain logic * Custom orchestration layers * Real-time feedback loops from funded outcomes * System resilience through: * Fallback mechanisms (e.g. AWS Lambda, AWS OCR, multiple LLMs) * Internal guardrails, compliance filters, validation logic --- ## **📚 Client Customization** * Lenders define and tune matching rules: * Credit score * Loan amount * Industry * Geography * Gives lenders precision targeting and strategic advantage * Matching adapts to each lender’s live criteria and deal preferences ## **Team** ### **Juan Pablo Linares – CEO** Juan Pablo is a registered lawyer in Colombia and brings a diverse background across Big Law, angel investing, and B2B sales consultancy. He has advised companies on go-to-market and growth strategy across multiple verticals and now leads Blinka’s vision of replacing CRE brokers with software. He is a member of [Sigma Squared](https://www.sigma-squared.org/) and is currently enrolled in Stanford GSB’s LBAN startup accelerator. Juan Pablo was also a high-performance athlete in both tennis and soccer. [LinkedIn](https://www.linkedin.com/in/juan-pablo-linares-uscher/) --- ### **Juan Vidal – CTO** Juan is a mechanical engineer and technical founder with two fintech startups under his belt. He was formerly an engineer at Simetrik, one of LATAM’s leading financial infrastructure platforms. At Blinka, Juan drives the architecture behind our underwriting and deal matching engines, building scalable systems designed to replace brokers entirely—not just support them. He is also a volunteer firefighter. [LinkedIn](https://www.linkedin.com/in/juanandresvidal11688/) --- ### **Sebastian Linares – CPO** Sebastian is a product designer and current business student at CESA. He previously built AI agents for Colombia’s largest insurance company and other multinationals, and was awarded the Venture Founders Award by Virginia Tech at 17. At Blinka, he leads product and design, combining a user-first mindset with technical execution to simplify complex CRE debt workflows for borrowers and lenders alike. [LinkedIn](https://www.linkedin.com/in/sebastian-linares-uscher/)