Company Profile · Proptech / Fintech
zavvie
The Boulder startup that turns ordinary buyers into cash buyers - and hands the win back to the agent, not a Wall Street iBuyer.
The Boulder startup that turns ordinary buyers into cash buyers - and hands the win back to the agent, not a Wall Street iBuyer.
Somewhere this afternoon, a family who does not have $400,000 sitting in a checking account is about to win a bidding war against someone who does. Their agent will not blink. Behind that agent, quietly, sits zavvie.
That is the whole trick, and zavvie has spent a decade making it look ordinary. The buyer keeps their mortgage. The lender keeps the loan. The agent keeps the client. And the seller sees the two words that end most bidding wars before they start: all cash.
No billboards. No purple vans. zavvie's name is almost never on the deal - it is stitched into the brokerage's own brand, one shade behind the logo the buyer already trusts.
Power Buyers are the next stage in the evolution of real estate.- zavvie's founding thesis
A cash-offer suite that lets any qualified buyer make a contingency-free, all-cash bid. Reported to drive a 92% mortgage attachment rate.
Cash Offer plus a Buy Before You Sell "modern bridge," so owners can buy the next home before selling the current one. Brokerages report a 10-15% capture lift.
A white-labeled hub aggregating iBuyer, cash-buy, and listing-concierge options - all presented under the brokerage's own name.
An AI-powered home-finance operating system and mobile app that lets loan officers and agents collaborate to spin up instant offers.
Lane Hornung, CEO and co-founder, has spent twenty years dragging real estate onto the internet - first at ZipRealty, then building COhomefinder into Colorado's most-visited home search for over a decade, then 8z Real Estate. A two-time Inman Innovator winner and Stanford-trained industrial engineer, he treats brokerages as allies to arm, not incumbents to disrupt.
Stefan Peterson, chief strategy officer and co-founder, ran operations at 8z before helping turn a broker's frustration - watching iBuyers pick off clients - into a platform that hands the same firepower back to agents.
From an agent social tool to an AI-backed finance engine, zavvie kept one constant: the agent stays in the center of the deal.
Back to the family who did not have $400,000. Ten years ago, their offer would have gone to the bottom of the pile - out-muscled by an investor with a wire transfer and no feelings. This afternoon it goes to the top, because their agent handed them a cash offer that came from a lender they can actually keep.
That is the change zavvie has quietly built into the ordinary. Not a company that replaces the agent with an app, but one that slips the app behind the agent - so the person losing bidding wars becomes the person winning them, and never learns the name of the machine that made it possible.
It's a strange kind of ambition: to become invisible on purpose. zavvie seems fine with that. The logo on the deal belongs to someone else. The trick belongs to Boulder.