Sora Finance

Wealth advisors working with high-net-worth clients often watch mortgage business migrate to banks and wirehouses, where institutions use relationship pricing to pull assets away from independent RIAs. Flourish Lending is built to close that gap, giving RIA-affiliated advisors a way to participate in client mortgage decisions without requiring additional licensing. Advisors can support applications, upload documents, and monitor refinance opportunities directly within the Flourish platform, while in-house licensed loan officers handle origination and compliance.

The platform connects clients to capital markets pricing rather than retail bank rates, which is the structural basis for its rate competitiveness. Loans go up to $10 million on primary and investment properties, making it relevant for clients with significant real estate exposure. Key features include:

• Automated refinance monitoring with alerts when savings opportunities appear
• On-demand prequalification and preapproval letter generation
• Real-time loan status tracking through a digital portal
• 24/7 rate comparison and application access for clients
• Advisor-facing tools to assist with document upload and application support

Flourish Lending is free for advisors on the Flourish platform and currently available in 20-plus US states, with additional states in progress. There is no advisor compensation or referral arrangement, and Flourish does not white-label the product for other firms. The offering is US-only and RIA-focused, so family offices operating through non-RIA structures or outside the United States will find it out of scope. For a domestic RIA-advised family office looking to consolidate liability-side visibility with investment management, Flourish Lending offers a practical mechanism for keeping mortgage conversations within the advisor relationship.