Hard money moves fast. We're the bridge to scale.

Small, focused, and narrow by design.

We provide dedicated offshore teams for hard money lenders, institutions, and diligence partners — built around your specific workflows, not a one-size-fits-all template. Structure the engagement your way, with the flexibility to scale the team as your business grows.

Built on 18 years inside US private lending.
Bank of America · Wells Fargo · Toorak Capital Partners · Leading NJ Hard Money Lender
Our positioning

Most offshore partners serve every industry. We serve one.

Most offshore teams are built on volume. Eighty20 is built on selection. We apply the Pareto Principle to every hire — finding the small group of people with the skills and hunger to make a real difference in your operation.

The Generic BPO
  • Serves every industry (mortgage, healthcare, IT)
  • Built on volume and a shared bench
  • Led by ops execs who never underwrote a loan
  • Differentiates with proprietary software
Eighty20 (That's Us)
  • Serves one industry. Hard money. Full stop.
  • Built on the Pareto Principle. We select the top 20%.
  • Led by an operator who has worked every seat in the lending life cycle—from origination to servicing—before he ever staffed a single desk.
  • Differentiates with role plays and relentless preparation.

Other firms sell software and promises. We deliver people who are hungry to learn your way of doing things — because we've done it ourselves.

How we work

Entry-level or veteran — you choose.

Bring on sharp junior talent to train your way, or plug in senior pros who hit the ground running. We don't promise miracles. We promise reliable, vetted people who show up, learn fast, and execute your exact workflow.

We handle

Payroll, compliance, IT, and people management — the heavy lifting behind every dedicated hire, so your back office runs seamlessly.

You get

Dedicated talent embedded across every stage of the loan lifecycle — people who spot a bad draw schedule before it becomes a problem.

Data security

Your environment, your rules.

Borrower data doesn't move. It stays inside the systems you already run, under access controls you already own.

Your environment, your rules

Our team operates entirely inside your existing systems — LOS, Google Workspace, Microsoft 365, or a remote desktop/VDI. No local downloads, no off-platform storage.

Direct access management

You control every login, enforce two-factor authentication, and grant or revoke access instantly — no waiting on us to make a change.

Confidentiality by agreement

Every team member signs a non-disclosure and data-protection agreement before touching a file — a written commitment to borrower confidentiality, not just a policy.

Who's behind this

Built by someone who's lived inside hard money lending.

Deepak Challapalli, Founder and CEO of Eighty20

Deepak Challapalli

FOUNDER & CEO, EIGHTY20

I spent eighteen years inside US private lending back-offices — starting at Bank of America and Wells Fargo, where I partnered with tech teams to redesign processes and generated $250K in annual savings. At Toorak Capital Partners, I built their offshore loan acquisition team from a single hire to twenty-plus, with direct input into their proprietary platform.

Today, I run a 30-person offshore team for a leading NJ private lender. I built Eighty20 because after eighteen years on the inside, I know exactly what good looks like — and I know most offshore vendors don't.

Get in Touch

You've got deals moving.
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Get in Touch

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Phone / WhatsApp +91-9000-825-035
Location Hyderabad, India · US business hours

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