Culbertson Holdings

The Challenge

Prior to partnering with CoFi, the biggest hurdle was time and clarity in the financing process. Determining whether a deal was viable required extended back-and-forth communication, slowing momentum and delaying decisions.

For brokers, waiting on a “maybe” answer creates borrower friction and puts referrals at risk. Deals often dragged on for weeks during underwriting and credit review, with unnecessary back-and-forth before a clear answer was provided.

The Solution

CoFi immediately brought clarity and speed. Deals were evaluated quickly and decisively, with the right questions asked upfront and gaps addressed early. Expectations were clear from day one.
After partnering with Bryce, a senior loan officer at CoFi, there was immediate clarity, speed, and personal attention. Deals were evaluated quickly and decisively, with the right questions asked upfront and gaps addressed early. Expectations were clear from day one.

Applications that once took weeks now take days. Of the 9 projects Culby has submitted to date, 6 have been approved, representing $5MM in total funded volume. From loan creation to funding, CoFi delivered the speed and certainty brokers need to stay competitive.

Knowing CoFi’s lending terms, Culby can now quickly identify which projects are strong candidates for approval.

Performance Snapshot

6 Loans Approved
$5MM in Total Funded Volume
84.83% Average LTC
72% Average LTV on Residential Projects

Across single-family and ground-up development projects, CoFi delivered both competitive leverage and reliable speed, allowing Culby to confidently position solutions to borrowers and close as promised.

This isn’t just capital. It’s credibility.

“What stood out immediately with CoFi was how streamlined everything is. It doesn’t take long to understand a deal and know whether it fits or not, and that alone saves days, not weeks. Bryce understands the role at a deep level, asks the right questions, and fills in the gaps quickly. That kind of intelligence and experience makes a huge difference.”

– Culby Culbertson

Biggest Change Since Working With CoFi

Since partnering with CoFi, Culby has made Bryce his go-to lender for key project types, including single ground-up townhomes and multifamily developments. CoFi is consistently on his short list and often the first call he makes when evaluating new opportunities.

This shift reflects more than satisfaction. It reflects performance.

That consistency allows brokers to operate with greater certainty, reduce lender-shopping time, and focus on scaling their pipeline rather than troubleshooting deals mid-process.

When a lender consistently closes, brokers don’t second-guess placement strategy.

Team & Relationship

Culby views Bryce as an extension of his team, not just a capital provider. He describes him as a true team player, a constant communicator, and someone who is always available to help problem-solve in real time.

For brokers, accessibility matters. Borrowers expect answers quickly. Having a lending partner who responds promptly and communicates clearly strengthens the broker’s position and reinforces trust with clients.

Loyalty isn’t built on a single transaction. It’s built on consistent execution across multiple deals.

The Results

Since the partnership began, Culby and Bryce have closed on a number of deals across the single-family and ground-up development projects.

With CoFi as a strategic lending partner, Culbertson Holdings moves deals faster, supports multiple projects simultaneously, and protects his client relationships with confidence.

For brokers, the advantage is simple—speed, clarity, and consistent execution.

Closing

CoFi proved to be a reliable execution partner. High leverage, fast closings, clear communication, and repeatable performance that gave Culby the confidence to move quickly, protect client relationships, and scale his pipeline without hesitation.

When you have a lending partner who understands your role, responds in real time, and closes as promised, you don’t just win transactions, you win long-term trust.

That’s the difference. That’s why brokers choose CoFi.

“If I were recommending CoFi, it would be to builders. If you need funding now and want clear communication all the way through, this is the group. If I had to put all my eggs in one basket, it would be CoFi.”

– Culby Culbertson