Make lending part of your practice.
When your clients need liquidity, Kalynto gives you the capability to lead them through it yourself, instead of referring it away.
Built for wealth advisors.
Kalynto is built for advisors who serve ultra-high-net-worth clients: principals and families whose balance sheets require institutional-grade structuring. The platform handles document analysis, credit structuring, and dossier assembly, so your deals reach lending desks pre-structured and ready for review.
You protect client assets by helping them borrow against holdings instead of liquidating. That keeps you in the deal and sets your practice apart.
How advisors stay central
Kalynto is infrastructure that makes your process more rigorous and efficient. The advisor stays at the center of every deal.
Step 1
Describe the deal
Start a conversation with Lex, the AI lending concierge. Describe the client, the balance sheet, the objective. Upload documents when ready. The platform adapts to the deal in front of it.
Step 2
The platform builds the package
Kalynto applies borrower archetypes, extracts intelligence from documents, and assembles an institutional-grade dossier with every number traceable to its source.
Step 3
You review and distribute
Send PDF dossiers, Excel credit models, and PowerPoint decks to a curated lender slate, with borrower identity in escrow until you are ready.
Non-poaching guardrail
Kalynto does not route advisor-initiated mandates to other advisors.
When you initiate a mandate on behalf of your client, you control the lender slate, the mandate framing, and the selection process. We never introduce competing advisors or suggest that your client should reassess their advisory setup. Our role is to orchestrate lending. It is never to interfere with your advisory relationship.
Policy-aligned curation
Kalynto applies lender-defined appetites to your client's mandate parameters, collateral profile and balance sheet to surface a short list of desks that fit the brief. You remain in control of who is invited into the process and how the story is framed.
Staged disclosure, fully documented
Identity, a concise PFS, and a dossier summary are shared only with lenders you and your client approve. As the deal progresses, shortlisted lenders receive the full dossier package, with every key figure traceable back to its source page.
Audit-ready mandate selection
Shortlist decisions, identity reveals and any overrides to extracted data are all logged and timestamped. You can show a client or an internal committee which lender was chosen and why, backed by a defensible evidence trail.
Matched on structure as well as rate
Some mandates turn on the lowest rate. Others turn on structural sophistication and long-term fit. The platform surfaces lenders whose capabilities match the deal's complexity, with standardized dossiers and like-for-like term comparisons.
Who uses it
Kalynto serves advisors at the institutional edge of private wealth: professionals who coordinate complex mandates and need defensible, documented processes.
Registered investment advisor$500M to $2B AUM
Fee-only RIAs serving 20 to 100 UHNW households, often with concentrated equity, alternative investments, or operating company ownership. They need a documented process for credit that does not create conflicts or custody issues, and audit-ready selection memos for when clients ask why a lender was chosen.
Multi-family office5 to 20 families
Investment and administrative offices managing $2B to $10B+ across multiple families. They handle mandates involving PE and VC stakes, real estate portfolios, aviation, yachts, art, and unpredictable capital call timing, and need standardized dossier formats and like-for-like lender comparisons.
Single-family office CFO or CIO$100M to $1B+ balance sheets
In-house financial officers who coordinate bridge financing, umbrella facilities, and succession planning. They need transparent lender evaluation frameworks that the principal or board can review, understand, and approve without deep credit expertise.
Estate and tax counsel
Trust and estate attorneys coordinating generational wealth transfers, life insurance trust financing, or recapitalizations secured by estate structures. Credit supports their core practice, so they need a platform that handles lender coordination and term discovery for them.
CPA with a UHNW practice
CPAs serving business owners, founders, and real estate principals with complex tax planning, Section 1031 exchanges, and operating company recapitalizations. Where credit intersects with tax strategy, they need documented lender selection that can withstand IRS or board scrutiny.
Controls
Advisor mode
Designed for advisors managing multiple borrowers, each with isolated access controls and audit logs.
Shared notes and checklists
Collaborate with your client using inline notes and evidence checklists. Track which documents are pending, uploaded, or need clarification.
Decision documentation
Defensible selection documentation with attached explainers and lender responses. Timestamped and immutable.
Frequently asked questions
How does Kalynto help wealth advisors with lending?
Kalynto gives wealth advisors the tools to make lending part of their practice rather than a referral event. The platform handles document analysis, credit structuring, and dossier assembly so advisors can guide clients through lending decisions and maintain control of the relationship.
Can RIAs use Kalynto without becoming loan brokers?
Yes. Kalynto is a technology platform, not a broker. Advisors use the platform to prepare institutional-grade deal packages. The platform does not negotiate terms, facilitate transactions, or maintain any intermediary role. The advisor's role is in preparing and reviewing the analytical work product.
How does Kalynto keep the advisor central to the lending process?
The platform produces all analysis and deal packages within the advisor's workflow. Lender-grade artifacts are distributed with the advisor's knowledge and approval, and all lender engagement routes through the advisor rather than around them.
What types of lending mandates can advisors manage through Kalynto?
Complex UHNW lending scenarios including securities-based lending, real estate, aircraft, yacht, art, private fund interests, concentrated stock positions, pre-IPO liquidity, and multi-entity family office balance sheets.
What technology is available for wealth advisors with complex borrowers who need lending?
Kalynto provides document intelligence, computation provenance, and borrower archetype recognition across 500+ document types and dozens of financial domains, producing structured credit packages that lending desks can evaluate in hours rather than weeks.
How can independent RIAs offer UHNW lending to clients without becoming a bank?
Independent RIAs do not need to become banks to offer UHNW lending. The independent UHNW lending stack has four distinct layers — capital, product distribution, lending intelligence, and workflow integration — and a firm composes its capability by selecting platforms at each layer rather than building any of them internally. For straightforward products like securities-based lines and conforming mortgages, product distribution platforms aggregate offerings from capital partners and present them through advisor-branded interfaces. For complex deals that do not fit standardized products, lending intelligence infrastructure translates the borrower’s situation into institutional-grade credit packages that any lender can evaluate.
What kinds of UHNW deals do not fit standard product shelves?
A broad population of deals falls outside what any standardized product shelf can serve. Recurring examples include concentrated equity positions with restriction overlays such as Rule 144 or 10b5-1 plans, GRAT-owned and trust-owned positions where the grantor needs liquidity without disturbing the gift tax architecture, carried interest financing and other illiquid private fund interests, and multi-jurisdictional asset structures involving international real estate or foreign entities. These are illustrative, not exhaustive — every experienced advisor has seen bespoke situations beyond these categories. The common pattern is that the deal has to be invented for the specific borrower, with terms negotiated from first principles and lender matches that are not obvious in advance, and the work of structuring the deal happens before any lender sees the request. This is what distinguishes bespoke lending from product distribution.
Can RIAs send deals directly to private banks for underwriting?
RIAs can and do send deals directly to private bank lending desks, but the deal needs to arrive in a format that the underwriting team can engage with efficiently. A complete credit package — borrower entity diagram, balance sheet with collateral eligibility analysis, debt service capacity from actual cash flows, existing facility mapping with covenant detail, and a clearly structured request — allows the lender to evaluate the deal on its merits in days rather than weeks. Without that package, the deal often stalls in the lender’s intake process, not because the lender lacks appetite but because the package the advisor sent does not give underwriting enough to act on.
How does an RIA evaluate a UHNW lending platform?
The most useful evaluation question is which layer of the lending stack the platform actually serves. A platform that aggregates standardized products and presents them through the firm’s branding solves the product distribution problem. A platform that translates complex borrower situations into lender-ready credit packages solves the lending intelligence problem. A platform that organizes existing facilities inside the firm’s CRM and reporting solves the workflow integration problem. Each layer is valuable, and most large RIAs serving UHNW families need more than one — but no single platform credibly covers all of them, and the procurement error worth avoiding is treating the layers as substitutes rather than complements.