Conventus

What Conventus does

Conventus LLC is a private real estate lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in West Palm Beach, Florida and New York City. The company provides debt financing products to real estate investors across 44 U.S. states, offering Bridge/Fix-and-Flip loans (rates from 7.75%, $100K-$10MM, 6-24 month terms, up to 90% purchase plus 100% rehab financing, 5-10 day closings), DSCR loans for long-term rental investors (rates from 5.75%, $75K-$3MM, 30-year fixed or ARM, no W-2 required, 30-45 day closings), Multifamily bridge and permanent financing (up to 80% LTV, 2-4 week closings), and ground-up New Construction loans (up to 85% LTC). The company also offers Heter Iska Halachically-compliant financing for religious investors and operates two investor-facing loan funds, Conventus Whole Loan Fund LLC and Conventus Special Situations Loan Fund II LLC, to source third-party capital.

The platform is built on property-focused, asset-based underwriting that does not require borrower W-2s or tax returns, supported by a custom API integration with Lightning Docs for document processing, integration with The Mortgage Office for loan servicing, and OneSiteApp for construction draw workflows. Borrowers access a self-service portal for payments, draw requests, payoff requests, and extension requests, with a separate public Draw Status Tracker.

Commercially, Conventus monetizes through interest income on originated loans held on balance sheet or sold into its managed funds, combined with fund management economics from its two LP-backed loan vehicles. The company operates a relationship-manager GTM model supported by content marketing (state-specific market analysis, DSCR/fix-and-flip educational content), direct website lead capture, and industry events, and is led by Founder and CEO Keith Tomao. Cumulative loan originations are cited at over $9 billion across 44 states.

Name

Conventus

Legal name

Conventus LLC

Website

https://cvlending.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Conventus is a private real estate lender offering bridge, DSCR, multifamily, and construction financing to real estate investors across 44 U.S. states, supported by two investor-backed loan funds.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industries

Private Credit / Direct Lending (FSAAAHAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Spec/Tract Builder Construction Financing (FSALAHAC)

Keywords

• Private real estate lending
• Fix and flip loans
• DSCR rental loans
• Multifamily bridge financing
• Construction loan financing

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Interest Income from Bridge Loans: Conventus earns interest income on short-term bridge/fix-and-flip loans with terms of 6-24 months, offering rates as low as 7.75% and loans from $100K to $10MM.
2. Interest Income from DSCR Loans: Long-term rental financing generating interest income on 30-year fixed or ARM products with rates starting from 5.75% and loan amounts from $75K to $3MM.
3. Multifamily and Construction Loan Interest: Interest income from multifamily bridge loans (up to 80% LTV) and ground-up construction financing with fast closings in 2-4 weeks.
4. Investment Fund Management: Conventus operates loan funds including Conventus Whole Loan Fund LLC and Conventus Special Situations Loan Fund II LLC, receiving capital from investors and earning returns through loan originations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Conventus is a private real estate lender that originates and services loan products tailored to real estate investors, including short-term Bridge/Fix & Flip loans, long-term DSCR rental loans, Multifamily loans, and ground-up New Construction loans. The company underwrites based on property cash flow rather than borrower W-2 income, operates across 44 U.S. states, and supports borrowers with a self-service loan management portal and dedicated Relationship Managers.

Product overview

Conventus is a private real estate lending platform offering a portfolio of loan products designed for real estate investors. The core offerings include Bridge/Fix & Flip Loans for short-term renovation projects, DSCR Loans for long-term rental property financing, New Construction Loans for ground-up development, and Multifamily Loans for larger residential properties. The platform provides investor-focused features including Heter Iska (Halachically compliant) financing options, and operates two investor funds (Conventus Whole Loan Fund LLC and Special Situations Loan Fund II LLC). Borrowers access services through self-service portals for loan management, draw requests, and payoff processing. The company has expanded its geographic reach to 44+ states and recently partnered with Lightning Docs for custom API integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridge / Fix & Flip Loans

Quantifiable outcome

• Over $9 billion funded to real estate investors
• +5 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

One partnership is on record.

• Lightning DocscoreTechnology or Integration · 25 March 2026Conventus has partnered with Lightning Docs for custom API integration to streamline document processing and loan workflow automation. This technology partnership enables more efficient document handling throughout the loan origination and servicing process, reducing manual steps and improving borrower experience.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kiavi: Kiavi (formerly LendingHome) is one of the largest private real estate lenders to investors, offering bridge, fix-and-flip, and DSCR loans nationwide. It is the most direct scaled competitor to Conventus across product mix, target customer (real estate investors), and online origination model.
• Lima One Capital: Lima One Capital is a private real estate lender specializing in fix-and-flip, rental, and multifamily bridge financing for investors. Like Conventus, it offers DSCR-based long-term rental loans and property-focused underwriting without W-2 requirements.
• Roc Capital: Roc Capital is a hard money and bridge lender for real estate investors, providing short-term acquisition and renovation financing across multiple states. It directly overlaps with Conventus's bridge/fix-and-flip product on speed, leverage, and target borrower.
• RCN Capital: RCN Capital is a nationwide private lender offering fix-and-flip, rental, and multifamily loans to real estate investors. Its multi-product, multi-state investor-focused platform closely mirrors Conventus's go-to-market and product suite.
• CoreVest Finance: CoreVest (acquired by Redwood Trust) is a leading private lender to real estate investors, offering bridge and DSCR rental loans. It is a direct comparable on DSCR and bridge products and was a scaled institutional competitor before its acquisition.
• Visio Lending: Visio Lending is a DSCR-focused private lender serving real estate investors with rental property financing. It directly overlaps with Conventus's DSCR product on property-cash-flow underwriting, no-W-2 requirements, and long-term fixed/ARM terms.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and investor loan lender offering DSCR, bank statement, and other flexible products. It competes directly with Conventus in the non-QM investor financing space, particularly for self-employed investors.
• A&D Mortgage: A&D Mortgage is a non-QM lender offering DSCR, non-QM, and investor-focused products to mortgage brokers. It overlaps with Conventus on DSCR and investor lending while operating at a much larger, wholesale scale.
• Defy Mortgage: Defy Mortgage is a DSCR and non-QM lender focused exclusively on real estate investors. Its product set and target borrower (investors using property cash flow rather than W-2s) closely align with Conventus's DSCR offering.

Broad incumbents

• NewRez (Shellpoint Mortgage Servicing): NewRez (including its non-QM division) is a much larger, established mortgage lender offering DSCR and non-QM investor products through wholesale channels. It is a broader incumbent competing for the same investor borrowers as Conventus but at significantly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cvlending

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Conventus