How to Buy a Whole Loan on Capstack

This guide is for buyers who want to acquire a whole loan on Capstack. It covers every step from searching the Marketplace to requesting access, reviewing files, and preparing for negotiation.

August 21, 2025 By Tzvika Perelmuter

Overview

Capstack makes it simple for institutions to find and evaluate whole loan opportunities. This guide shows you how to browse the Marketplace, request access to full loan packages, and prepare yourself to negotiate directly with sellers.

Before you start

Confirm your Capstack account is active and linked to your institution
Ensure you have the authority to request access on behalf of your bank
Be ready to review loan packages promptly once access is granted

Getting started

To buy a whole loan, you'll start by navigating to the Marketplace and selecting the Whole Loans section. From there, you'll browse available opportunities, request access to detailed loan information, and submit your interest to the selling bank.

Step #1: Click "Marketplace" — Click "Marketplace"

From your Capstack dashboard, click "Marketplace" in the left sidebar to access the loan marketplace.

Step #2: Click "Whole Loans" — Click "Whole Loans"

Once in the marketplace, select the "Whole Loans" tab from the top navigation menu. This will display all available whole loan opportunities listed separately. Browse through the listings and select a loan you'd like to participate in.

Use the filters at the top to narrow down loans by geography, loan type, or amount.

Step #3: Select a loan basket — Select a loan basket

Click on one of the available loan baskets to view detailed information. You'll see comprehensive details about the basket including loan metrics and performance data.

Step #4: Click "Request Basket" — Click "Request Basket"

After reviewing the basket information, click "Request Basket" to begin the access process. This page displays detailed loan-level information including individual loan numbers, types, current balances, origination dates, maturity dates, rates, and other key terms. Review all details carefully before proceeding.

Step #5: Select your loans — Select your loans

Choose which specific loans within the basket you want to purchase. You can select individual loans from the list.

You can select individual loans within a basket rather than purchasing the entire package.

Step #6: Click "Submit Request" — Click "Submit Request"

Review the summary of all selected loans, including total amounts and key details. When you're satisfied with your selection, click "Submit Request" to send your access request to the selling bank.

Step #7: Click "Submit" — Click "Submit"

Click "Submit" in the confirmation dialog to finalize your request.

Click "Close" to return to the marketplace after your request has been successfully submitted.

Your request has been submitted! You'll receive email notifications when the seller responds, typically within five business days.

After you finish

Your request will show as Pending until the seller approves

You'll get an email and in-app notification when approved (typically within five business days)
Once approved, you can view all loan documents and submit competitive bids
Track your requests under Activity in the left sidebar

Troubleshooting

Request not approved: Some approvals take a few days — check back or contact the seller through the platform
No notification received: Check your account settings and email filters
Loan no longer visible: The seller may have withdrawn the listing; check the Marketplace for similar assets

Best practices

Request access only to loans you genuinely intend to review
Act quickly once approved to show seriousness
Keep all communication and file review in-platform for a complete audit trail