Good evening.
Seven- to eight-figure earners and above. Real liquidity, strong credit, and an income profile no tax return describes, because the accountant did his job.
Welcome.
You have built something no tax return describes, because your accountant did his job. You should not have to move your portfolio to finance a home, or begin again from zero each time you buy one.
So we begin with a conversation, not an application. Fifteen minutes on my direct line, and no credit pull. If the profile on this page is you, I will tell you what your file would take. If it is not, I will tell you that on the same call.
Mayer Dallal Founder, Private Client Lending
I’m Mayer Dallal. I have been self-employed for twenty-five years, and for much of that time I was the borrower this page describes: real income, real money in the bank, and a tax return that told a lender the wrong story. The financing that should have existed for me did not.
So, I learned this business from the inside. Twenty-five years across underwriting, processing, and origination, and since April 2013, Managing Director of Mbanc, a direct mortgage bank that underwrites in house. Since 2021 we have funded 440 loans of $1,000,000 and above, and more than nine in ten qualified without a tax return.
I founded Private Client Lending to close one gap: people who make money and hold money but cannot get financing that reads them correctly. That gap is personal to me. It is why I built this, and why I still take every one of these calls myself.
Mayer Dallal Founder, Private Client Lending · Managing Director, Mbanc · NMLS #42394
Below this, the core desk at mbanc.com: same company, different door.
All programs, every transaction type.
Founder, Operator and AR Loans.
The IL Loan, rental property.
Retail banking calls you a preferred client, then underwrites your mortgage on tax returns like a salaried borrower. The relationship is measured in deposits. The private bank will read your balance sheet, but the entry price is custody of your assets.
Between them sits a principal with real money and no intention of moving his portfolio to buy a mortgage.
Keeps what you earn. The entities and every legitimate deduction.
Grows what you keep. The allocation, and what must not be sold.
Protects how it is held. Entities, trusts, vesting and succession.
Finances what you own. Permanently, not per transaction.
Call Mayer's direct line, (844) 405-1935, or send your client here with your name in “Referred by”. A first conversation about a scenario needs no names; with your client's permission, we speak with them directly.
From Mayer himself: which program reads the income, and what the file would take.
We finance. We do not advise, invest, manage money or prepare returns, so nothing about your client's plan changes hands. With your client's permission, you stay in the loop.
No referral fees and nothing else of value. For home loans federal law (RESPA) forbids it; for every loan, it is our rule.
Type your name and firm. The link opens this page with you already in “Referred by”.
Every closing of $1M or more since 2021, across 24 states.
Five years, three rate environments. Florida largest, at 101 loans.
Against 18 to 21 across the earlier book.
A Florida purchase, interest-only. The ceiling is real.
Source. Mbanc funded-loan record, every closing of $1,000,000 and above, Feb 2021 to 7 Jul 2026 (n = 440). Closing times are Mbanc operating figures, stated as typical experience and not a commitment. Timing turns on appraisal, title and the completeness of the file. Past fundings describe what has been financed; they are not an offer of credit.
Your income has a shape. Each program is built to read one, and none of them qualifies you on a tax return.
The Founder Loan
Twelve or twenty-four months of bank statements: deposits, never net profit.
$4,000,000 Ceiling · 720 · Primary
Read the guide to The Founder Loan
The Operator Loan
One or two years of 1099s: gross receipts, not the net.
$4,000,000 Ceiling · 720 · Primary
Read the guide to The Operator Loan
The AR Loan
A statement of assets, divided by 84. Nothing has to be sold to qualify.
$4,000,000 Ceiling · 720 · Primary
Read the guide to The AR Loan
The IL Loan
A lease or market rent analysis. The property qualifies itself.
$3,500,000 Ceiling · 700 · Investment
Read the guide to The IL LoanNote. None of these is used to qualify your income, and nothing has to be sold to qualify; underwriting still runs a full file: credit, assets to close, the property and title. Ceilings are on purchase transactions; $3,000,000 applies otherwise. All figures are loan amounts, not purchase prices.
Mbanc is not a private bank and does not want your deposits. No accounts, no custody, no assets under management. That is precisely why nothing has to move into our custody for the financing to work.
An initial interest-only period on a long-term structure, on every program. The payment increases when the balance begins to amortize, which we say at the outset. Mayer will walk you through the exact structure for your file.
How interest-only works, in plain termsFifteen minutes on the direct line. No application, no credit pull. If the profile above is you, we will tell you what your file would take. If it is not, we will tell you that on the same call.
Mayer calls within one business day.
Mayer Dallal, direct (844) 405-1935 Managing Director · NMLS #42394
Thank you. Mayer has your note.
He reads every inquiry from this page himself and calls you within one business day. If he is away for more than a day, Alan Hastings, his operations manager, is your point of contact and will call you to set a time with him. If you would rather not wait, the direct line is open, or choose a time that suits you.
Short answers, in Mayer's words. For anything particular to your file, the direct line is open: (844) 405-1935.
All fifty-two questionsMbanc Private Client Lending is a $1,000,000-minimum loan desk at Mortgage Bank of California Inc. dba Mbanc (NMLS #38232). It is for borrowers with real liquidity and an income story a tax return does not show. We qualify on bank deposits, gross 1099 income, liquid and semi-liquid assets, or rental cash flow, not personal tax returns. The first conversation is with Mayer Dallal, Managing Director of Mbanc.
Self-employed founders and operators paid through an entity or 1099s. Investors whose property can qualify on rent. Asset-rich buyers who will not sell positions to prove income. The screen is a $1,000,000+ loan amount, credit 680 or better, and a state where we lend for that occupancy.
Mayer Dallal, Managing Director, NMLS #42394. Direct line (844) 405-1935. Fifteen minutes. No initial credit pull. Company NMLS #38232.
Minimum loan amount is $1,000,000. Standard maximum is $3,000,000. Primary-residence purchase can go to $4,000,000 on Founder, Operator, and AR at 720 credit. Investment purchase on the IL (DSCR) program can go to $3,500,000 at 700 credit. These are loan amounts, not purchase prices, and they are not an offer of credit.
Private Client is marketed at 680 or better. The highest primary purchase ceilings use 720. The top IL investment ceiling uses 700.
Yes. Twenty-two states: primary, second home, and investment. Twenty-four additional states and D.C.: investment / business-purpose only (non-owner-occupied).
No personal tax returns on these programs. That is the point of the desk.
One underwriter routes you to the strongest path. You do not apply four times. Say how the money actually moves. We pick the program.
No initial credit pull. The first conversation is fit: occupancy, state, amount, how you earn. Credit is pulled when you choose to proceed.
The form comes to Mayer with your profile, amount, state, occupancy, and consent. You can also book the calendar on the page.
Complete files on this book have been closing in about 15 days. Appraisal, title, and a complete file set the clock. That is typical experience, not a commitment.
Request the conversation on this page or call (844) 405-1935. Have occupancy, property state, loan amount, and how you get paid. Do not bring a rate target. Bring the truth about your goals and your financial profile.
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