Our mission is to offer high-yield investment opportunities for private investors and innovative funding solutions for real estate investors and wholesalers. We aim to deliver exceptional financial returns while supporting the greater good by donating to organizations fighting human sex trafficking and providing anti-kidnapping and anti-bullying education to 100,000 people globally by 2030.


We envision a world where our financial services empower individuals to thrive—whether through real estate investments or wealth creation—while our success fuels social change. By supporting the fight against human exploitation and offering anti-kidnapping and anti-bullying education, we strive to protect and positively impact the lives of 100,000 people worldwide by 2030
Relationships over transactions
Great over good
Dependability and honesty over scrutiny
Loyalty and respect over deceitfulness
Togetherness over individuality

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

Eugene Nilus
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.

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.









Helping real estate investors and wholesalers to grow their businesses and improve neighborhoods block-by-block.
©2026 Y2 Lending, LLC - All rights reserved
Call: 1 (888) 292-8543 | Email: [email protected]