LendingOne, LLC
LendingOne, LLC is a Boca Raton-based direct lender founded in 2014 that provides DSCR rental, bridge, fix and flip, and new construction loans exclusively to real estate investors across 46 U.S. states, serving emerging, experienced, portfolio, and institutional segments through digital, broker, and dedicated institutional sales channels.
- Company typePrivate
- Founded2014
- HeadquartersBoca Raton, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What LendingOne, LLC does
LendingOne, LLC is a Boca Raton, Florida-based direct lender founded in 2014 that specializes exclusively in non-owner-occupied real estate investment property financing. The company operates across 46 U.S. states (excluding Alaska, Nevada, North Dakota, and South Dakota) and offers six core loan products: DSCR Rental Loans, SFR Portfolio Loans, Bridge Loans, Fix and Flip Loans, Fix to Rent Loans (supporting the BRRRR strategy), and New Construction Loans. Loan sizes range from $85,000 for individual DSCR rentals up to multi-million-dollar BTR community financings, and the company has cumulatively funded over $6 billion in real estate investor loans since inception.
The business model combines transaction-based origination fees (1 point or $2,000 minimum, plus $1,395 in processing and legal fees) with recurring interest income on bridge, rental, and construction loan portfolios. LendingOne is backed by an unnamed leading global asset manager that provides the capital base for nationwide lending operations. Distribution is multi-channel: a self-serve digital application platform (start.lendingone.com) and phone-based lending advisors serve individual investors; a dedicated Institutional Group of 120+ professionals with named sales, credit, and SFR directors serves enterprise clients; and TPO wholesale brokers and CRE Debt Advisor partnerships source commercial mortgage broker-originated volume. Differentiation centers on DSCR-based qualification (no personal income verification), fast closings (as little as 5 days for fix and flip), high leverage (up to 92.5% LTC on flips, 95% LTC on fix-to-rent, 90% LTC on new construction), and ecosystem-level retention through discounted refinance economics for repeat BRRRR borrowers.
Operationally, LendingOne maintains NMLS registration and lending licenses across multiple states, holds the 2024 IMN Single-Family Rental Award for BTR lending innovation, and runs satellite offices in Charlotte, NC and Great Neck, NY alongside its Boca Raton headquarters. The company targets four horizontal customer segments (Emerging, Experienced, Portfolio, and Institutional Investors) with products calibrated to each tier's portfolio size and strategy complexity.
LendingOne, LLC firmographics
Firmographics- Name
- LendingOne, LLC
- Legal name
- LendingOne, LLC
- Website
- https://lendingone.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LendingOne, LLC is a Boca Raton-based direct lender founded in 2014 that provides DSCR rental, bridge, fix and flip, and new construction loans exclusively to real estate investors across 46 U.S. states, serving emerging, experienced, portfolio, and institutional segments through digital, broker, and dedicated institutional sales channels.
- Ownership category
- akta.pro rank
LendingOne, LLC industry classification
Industry- Product category
- Real Estate Investment Lending
- NAICS
- Real Estate Credit (522292), Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
- akta.pro secondary industry
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
Keywords
Where LendingOne, LLC is headquartered
LocationHeadquarters
- HQ city
- Boca Raton
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
LendingOne, LLC business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Loan Origination Fees: Primary revenue from origination fees on investment property loans. Standard fee is 1 point or $2,000 whichever is greater, plus $1,395 processing and legal fees. Broker partners can charge up to 3 points on HUD.
- Interest Income: Interest payments on bridge loans (12-24 month terms), DSCR rental loans (30-year fixed, 5/1 & 10/1 ARMs), and construction loans. Interest-only payment options available on most products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | DSCR Rental Loans: $85,000 to $2,000,000, up to 80% LTV (Purchase/Rate-Term), up to 75% LTV (Cash-Out), As low as 0.75 DSCR |
| Transaction based/ take rate | Pay-as-you-go | Fix and Flip Loans: $100,000 to $3,000,000, up to 92.5% LTC, 100% of rehab costs |
| Transaction based/ take rate | Pay-as-you-go | Fix to Rent Loans: Up to 95% LTC, 100% of rehab costs covered |
| Transaction based/ take rate | Monthly | SFR Portfolio Loans: Up to $3M, Up to 80% LTV for Purchase, 75% LTV for Refinances |
| Transaction based/ take rate | Pay-as-you-go | New Construction Loans: $200,000 to $2,000,000, up to 90% LTC |
| Transaction based/ take rate | One time/ perpetual license | Standard Fees: 1 point or $2,000 (whichever is greater) plus $1,395 processing and legal fees |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
LendingOne, LLC product offering
Product offeringCore offering
LendingOne is a direct lender that originates and services mortgage loans for non-owner-occupied residential investment properties. It offers a full suite of loan products spanning the real estate investment lifecycle, including DSCR rental loans, SFR portfolio loans, bridge loans, fix-and-flip loans, fix-to-rent (BRRRR) loans, and ground-up new construction loans, with loan sizes ranging from $85,000 to over $90 million. The company serves both individual investors through a self-serve digital application and institutional sponsors, developers, and PE firms through a dedicated Institutional Group.
Product overview
LendingOne, LLC is a direct real estate investor lender offering a suite of six specialized loan products. The core portfolio includes DSCR Rental Loans for long-term rental property financing based on property cash flow, SFR Portfolio Loans for consolidating multiple single-family rentals under one loan, Bridge Loans for short-term investment opportunities, Fix and Flip Loans for purchase and rehabilitation projects, Fix to Rent Loans supporting the BRRRR strategy, and New Construction Loans for ground-up residential development. The company operates nationwide (excluding Alaska, Nevada, North Dakota, and South Dakota) and targets individual investors through institutional clients, with loan amounts ranging from $85,000 to over $90 million depending on product type. Funding totals over $6 billion in loans for real estate investors according to company disclosures.
Differentiator
Problem solved
Functional benefit
Brands
- LendingOne Institutional Group: Specialized division providing BTR and SFR portfolio financing solutions for institutional investors, developers, and PE firms.
Products and services
- DSCR Rental Loans Long-term rental property loans for real estate investors underwritten on property cash flow (Debt Service Coverage Ratio) rather than personal income, with loan sizes from $85,000 to $2,000,000, up to 80% LTV, 30-year fixed and 5/1 & 10/1 ARM options.
- SFR Portfolio Loans Single-Family Rental portfolio loans that allow investors to consolidate a minimum of 3 up to 20 properties into a single fixed-rate, non-recourse loan, up to $3M and 80% LTV for purchases.
- Bridge Loans Short-term bridge financing for real estate investors needing fast capital to execute investment opportunities, with interest-only payment options and flexible 12–24 month terms.
- Fix and Flip Loans 12-month interest-only financing for purchase-and-rehab projects, covering up to 92.5% loan-to-cost and 100% of rehabilitation costs, with closings achievable in as little as 5 days and desktop appraisal available.
- Fix to Rent Loans 9-month maturity financing supporting the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy with up to 95% LTC and 100% rehab funding, including discounted interest rates (0.5%) and 50% origination fee discount for borrowers who refinance into a LendingOne long-term loan.
- New Construction Loans Ground-up construction financing for builders, developers, and investors building residential investment properties, with loan sizes from $200,000 to $2,000,000, up to 90% LTC, 12–24 month term, and a mobile-app-based virtual draw process.
Quantifiable outcome
- Closings can be completed in as little as 5 days for fix and flip loans
- +4 more outcomes
Companies that use LendingOne, LLC
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
LendingOne, LLC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
LendingOne, LLC partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights6 records
LendingOne, LLC competitors and assessment
Company assessmentDirect peers
- Lima One Capital: Specialty lender focused on fix-and-flip, rental, and new construction financing for real estate investors, backed by Snowmass Capital. Closely comparable product suite, customer segments, and DSCR-based qualification approach.
- RCN Capital: Direct lender providing short-term bridge, fix-and-flip, and rental portfolio loans to residential real estate investors. Comparable product mix, broker/TPO channel strategy, and mid-market investor focus.
- Angel Oak Mortgage Solutions: Non-QM and investor property lender offering DSCR, fix-and-flip, and SFR portfolio products. Comparable target customer, qualification philosophy, and channel strategy to LendingOne.
- CoreVest Finance: Lender focused on SFR portfolio financing for institutional and individual investors; acquired by Redwood Trust. Most directly comparable on the SFR portfolio / BTR institutional lending segment where LendingOne is positioning aggressively.
- Visio Financial: Direct lender to real estate investors providing bridge, fix-and-flip, and rental loans. Comparable product set and target borrower profile, though smaller scale than LendingOne.
- Genesis Capital: Direct hard money / bridge lender for fix-and-flip and rental investors. Comparable in investor loan focus and broker channel, though narrower product range.
- Kiavi: One of the largest US non-bank lenders to real estate investors offering DSCR rental, fix-and-flip, and new construction loans. Directly comparable to LendingOne across products, target customers (individual and institutional investors), and DSCR-based qualification.
Broad incumbents
- NewRez (New Residential Investment Corp.): Large mortgage originator and servicer (formerly Shellpoint / New Penn Financial) with growing non-QM and investor loan capabilities. Comparable in SFR financing but operates at significantly larger scale across a broader product portfolio.
Emerging players
- Hatch Lending: Emerging non-QM investor lender offering DSCR and rental portfolio products with a digital-first platform. Comparable on DSCR philosophy and SMB investor segment, though smaller and less mature.
- AHLI (American Homeowner Preservation / preqstreet): Niche private lender focused on residential investment and rehab financing. Comparable in fix-and-flip / investor focus but smaller scale and narrower geographic footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
LendingOne, LLC social profiles
Digital presenceLendingOne, LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
LendingOne, LLC leadership team
Management profileNumber of profiles
Profiles8 records
LendingOne, LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LendingOne, LLC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LendingOne, LLC
What does LendingOne, LLC do?
LendingOne is a direct lender that originates and services mortgage loans for non-owner-occupied residential investment properties. It offers a full suite of loan products spanning the real estate investment lifecycle, including DSCR rental loans, SFR portfolio loans, bridge loans, fix-and-flip loans, fix-to-rent (BRRRR) loans, and ground-up new construction loans, with loan sizes ranging from $85,000 to over $90 million. The company serves both individual investors through a self-serve digital application and institutional sponsors, developers, and PE firms through a dedicated Institutional Group.
Is LendingOne, LLC a public or private company?
LendingOne, LLC is a private company. It is classified as venture growth investor backed and is currently operating.
When was LendingOne, LLC founded?
LendingOne, LLC was founded in 2014. It employs 11 to 50 people.
Where is LendingOne, LLC based?
LendingOne, LLC is headquartered in Boca Raton, United States, in the North America region.
How does LendingOne, LLC make money?
Two revenue lines are on record. Loan Origination Fees are the primary driver. The others are interest Income.
Who are LendingOne, LLC's main competitors?
Direct peers on record are Lima One Capital, RCN Capital, Angel Oak Mortgage Solutions, CoreVest Finance, Visio Financial, Genesis Capital and Kiavi. NewRez (New Residential Investment Corp.) is listed as a broad incumbent. Emerging players are Hatch Lending and AHLI (American Homeowner Preservation / preqstreet).
Does LendingOne, LLC have an API?
No public API is recorded for LendingOne, LLC.
What industry is LendingOne, LLC in?
LendingOne, LLC's product category is Real Estate Investment Lending. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending, with a secondary code of FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522292 and its SIC code is 6162.