This is a complete breakdown of Lima One vs LendingOne vs Kiavi fix and flip loans in 2025.
Compare credit score requirements, closing time, maximum leverage, minimum loan amounts and more.
Let’s get started.
Lima One vs LendingOne vs Kiavi Fix and Flip Loans
Lima One Capital vs LendingOne vs Kiavi
Lima One Capital, LLC
Lima One Capital is a privately held finance company headquartered in Greenville, South Carolina, founded in 2010 by U.S. Marines. The company specializes in providing financing solutions for residential real estate investors and homebuilders, offering loan products such as fix-and-flip, rental, new construction, and multifamily bridge loans.
As of April 2025, Lima One Capital has funded over $10 billion in loans across 46 states. Lima One Capital emphasizes in-house operations, including underwriting, servicing, and construction management, to streamline the lending process. The firm maintains a strong focus on customer service and efficient loan closings.
LendingOne, LLC
LendingOne is a private money lender specializing in real estate investment financing, headquartered in Boca Raton, Florida. Established in 2014 by Bill Green and Matthew Neisser, the company offers a range of loan products, including fix-and-flip, DSCR rental, fix-to-rent, SFR portfolio, and new construction loans.
Utilizing proprietary technology, LendingOne streamlines the lending process, enabling investors to pre-qualify online and potentially close deals in as little as ten days. The company employs its own capital to fund loans, providing flexibility and speed in financing.
Kiavi Funding, Inc
Kiavi Funding Inc., formerly known as LendingHome, is a private, venture-backed financial technology company specializing in residential real estate investment financing. It was founded in 2013 and headquartered in Pittsburgh, Pennsylvania. Kiavi offers a range of loan products including fix-and-flip, bridge, rental, and new construction loans, leveraging technology to streamline the lending process.
As of April 2025, they have funded over $23 billion in loans, supporting more than 85,000 projects across 45 states and Washington, D.C. Kiavi emphasizes high leverage and minimal documentation. Under the leadership of CEO Arvind Mohan, Kiavi continues to innovate in the real estate financing sector, focusing on data-driven solutions and customer-centric services.
Capital Ton LLC
Capital Ton LLC specializes in non-owner-occupied investment property loans for real estate investors. Including financing options for fix-and-flips, rental properties, loans for airbnb and DSCR loans.
Capital Ton emphasizes fast closings, simplicity and flexibility, with closings in as little as 3 to 5 days. Their approach is asset-based, requiring no personal income verification, tax returns, or appraisals.
See How Much You Qualify For
Appraisal Requirement
Lima One Capital: Required
LendingOne: Required
Kiavi: None
Capital Ton: None
Closing Time
Lima One Capital: 18-21 days
LendingOne: 10+ days
Kiavi: 10+ days
Capital Ton: 3+ days
Minimum Credit Score
Lima One Capital: 600+
LendingOne: 680+
Kiavi: 700+
Capital Ton: 680+, but no minimum credit score is available.
Maximum Leverage
Lima One Capital: Up to 92.5% LTC
LendingOne: Up to 92.5% LTC
Kiavi: Up to 95% LTC
Capital Ton: Up to 90% LTC
Maximum ARV
Lima One Capital: Up to 75% ARV
LendingOne: Up to 75% ARV
Kiavi: Up to 80% ARV
Capital Ton: Up to 70% ARV
Rehab Cost Financing
Lima One Capital: Up to 100%
LendingOne: Up to 100%
Kiavi: Up to 100%
Capital Ton: Up to 100%
Minimum Loan Amount
Lima One Capital: $75,000
LendingOne: $100,000+
Kiavi: $100,000+
Capital Ton: $100,000+, but no minimum loan amount is available.