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Y2 Lending
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Our mission

We are on a mission to beautify our neighborhoods and cities by funding real estate investors and wholesalers to do what they do best - finding and fixing one property at a time.

Our vision

To become a leading and recognizable hard money lender nationwide that shapes a better everyday life for many people with better living conditions.

Our values

  • Relationships over transactions

  • Great over good

  • Dependability and honesty over scrutiny

  • Loyalty and respect over deceitfulness

  • Togetherness over individuality

  • Why Our Clients Choose Us?


    We don’t leave you hanging and will keep you updated throughout the whole process


    We hate to waste each other's time and tell you the way things are and we don’t shy away from it

    Attentive and Flexible

    We listen to find the best solutions. Sometimes, we may surprise you by saying YES when others say NO

    Easy no nonsense funding

    We simplify the process to deliver the funds in a fast, reliable, and timely manner


    We are here to serve you and our actions speak louder than the text on our website


    We don't just ask you to put a trust in us, we show you why

    Meet the founders

      Eugene Nilus

      Founder and CEO

      Eugene Nilus is a real estate investor and an author. He has extensive experience in buying and holding properties across multiple states, fixing and flipping properties nationwide, and is the founder of Y2 Lending, a private hard money bank. The bank currently serves borrowers in different states and provides opportunities for investors to get stable passive returns. He is the founder and the host of "The Shift" podcast, which inspires and motivates people to follow their dreams by breaking their self-beliefs and doubts. He currently lives in California with his wife and kids, where he also holds local real estate meetups and helps others to start their real estate journey.

      Kate Nilus

      VP of Communications

      Kate brings more than a decade of marketing and event marketing experiences working for architectural real estate companies as well as industry leading event agencies. Her attention to detail is second to none and currently she is building out communication strategies with Y2 Lending clients and investors.

    Your Go-to Company For Lending Services

    We understand the urgency and the need behind funding all real estate investors and wholesalers. We are here to serve you and make sure you get the funds in the fast, reliable, and timely manner. Our goal is to not only send the funds as fast as possible but also to build long-lasting relationships and deliver the concierge approach by treating each of our clients as a VIP partner whether we can help fund your next deal or not. 

    Hear From Our Clients

    We have been extremely grateful for how simple and fast Y2 Lending has been to work with. We have done a transactional funding deal and a few fix and flips with Y2 Lending. Using 10+ different hard money lenders and private lenders in the past, Y2 Lending has by far been the best to work with, easy to communicate with and very dependable.

    Ryan A.

    CC Home Solutions, LLC

    Working with Y2 lending helped me get my deal closed fast. I called Eugene and within 7 days I had funded my project. He was flexible on lending terms based on the performance of the project and has been a pleasure to do with throughout the entire process. I will definitely use Y2 Lending again and definitely recommend to other investors.

    Johnoson C.

    Grab The Map, LLC

    Y2 lending really helped my business with our financial goals. I worked with Eugene and he was incredibly professional. Everything was on time, he showed great character, and overall made the experience really easy. Every time I even have the possibility of a lending situation I consult Y2 lending first. Y2 lending and Eugene really are amazing!

    Ryan S.

    Cinch Realty Group Inc