Lima One Capital

What Lima One Capital does

Lima One Capital, LLC is a private money lender founded in 2010 and headquartered in Greenville, South Carolina, with additional offices in Irvine, California and Charlotte, North Carolina. The company specializes in providing real estate investment financing across five core loan products — FixNFlip, Bridge Plus, New Construction, Rental, and Multifamily — with sub-products including Fix2Rent, Build2Rent, and Portfolio Rental that extend the core programs into rental conversion and build-to-rent strategies. Lima One operates as a wholly-owned subsidiary of MFA Financial, Inc. (NYSE: MFA), a publicly traded REIT, which provides institutional balance sheet backing and capital stability. The company funds loans in 46 states and has originated more than 30,000 closed loans totaling over $10 billion in cumulative volume since inception.

Lima One serves individual and professional real estate investors as its primary customer segment, with secondary distribution through mortgage brokers, mortgage loan officers, and a structured referral partner program. The company runs a multi-channel go-to-market combining a self-serve web application portal, dedicated in-house borrower and broker sales teams, and partner channels. Its value proposition rests on practical asset-based underwriting (credit, liquidity, and investment experience rather than tax returns), in-house construction management enabling funding in as little as one day, and borrowing capacity of up to 10x liquid assets for qualified investors. Lima One vertically integrates origination, underwriting, servicing, and payoff within a one-stop-shop model.

The company generates revenue primarily through interest income on its private money loan portfolio and mortgage banking income from origination activities; pricing is quote-based and customized by loan type, borrower profile, and project specifics. MFA Financial reported that its Lima One subsidiary generated $7.7 million in mortgage banking income in Q1 2026, up 34% from the prior quarter. Lima One maintains three office locations, employs between 251 and 500 people, and does not publicly disclose its full annual revenue, pricing tiers, or external institutional investors beyond its REIT parent.

Name

Lima One Capital

Legal name

Lima One Capital, LLC

Website

https://limaonecapital.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

251–500 employees

Short description

Lima One Capital is a private money lender, founded in 2010 and backed by MFA Financial (NYSE: MFA), that provides construction, bridge, fix-and-flip, rental, and multifamily loans to real estate investors across 46 states, with cumulative funded volume exceeding $10 billion.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Finance and Insurance (52)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Private money lending
• Real estate investment loans
• Fix and flip financing
• Bridge loans
• Rental property financing

Headquarters

HQ city

Greenville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest and Mortgage Banking Income: Lima One Capital generates revenue through interest income on its private money loans for real estate investors, including fix-and-flip, bridge, new construction, rental, and multifamily loans. Additionally, the subsidiary generates mortgage banking income from loan origination activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Lima One Capital is a private money lender that provides specialized financing for real estate investors. The company originates and services a suite of investment property loans — FixNFlip (fix-and-flip), Bridge Plus (bridge), New Construction (vertical construction), Rental (single family, portfolio, short-term rental), and Multifamily — with funding available in as little as one day. Underwriting is based on credit, liquidity, and investment experience rather than personal tax returns, with borrowing capacity of up to 10x liquid assets for qualified borrowers.

Product overview

Lima One Capital operates as a private money lender offering a unified suite of specialized loan programs for real estate investors. The product portfolio centers on five core lending products: FixNFlip (fix-and-flip financing), Bridge Plus (bridge loans for quick closings), New Construction (vertical construction financing), Rental (investment property loans including portfolio, single family, and short-term rentals), and Multifamily (multi-unit residential financing). The offering also includes sub-products like Fix2Rent and Build2Rent that extend the core programs into rental conversion strategies. The Lima One Advantage program differentiates the company through capital stability backed by MFA Financial, in-house processing and servicing, practical underwriting based on credit and liquidity rather than tax returns, and borrowing capacity up to 10x liquid assets. The company serves real estate investors, mortgage brokers, mortgage loan officers, and referral partners across 46 states.

Differentiator

Problem solved

Functional benefit

Products and services

• FixNFlip Flexible fix-and-flip loan product that simplifies the approval process, enabling real estate investors to move quickly, maximize leverage, and pivot when necessary on renovation projects.
• Bridge Plus Bridge loan product providing quick closing capability and extra time for investors to finalize business plans, adding versatility and flexibility to real estate investment strategies.
• New Construction Vertical construction financing for infill, shovel-ready, fully entitled land on single builds or developments, supporting both build-to-rent and build-to-sell strategies.
• Rental Flexible rental investment loans providing leverage and reliable capital for building long-term rental portfolios, including portfolio rental, single family rental, and short-term rental products.
• Multifamily Multifamily lending solutions for investors seeking financing for multi-unit residential properties.
• Fix2Rent Loan product enabling investors to convert fix-and-flip properties into rental holdings.
• Build2Rent Construction financing product supporting build-to-rent investment strategies.
• Portfolio Rental Rental loan product designed for investors building multi-property rental portfolios.

Quantifiable outcome

• 30,000+ closed loans since 2010
• +3 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Kiavi: One of the largest direct hard money lenders to real estate investors in the U.S., offering bridge and fix-and-flip financing. Closely comparable to Lima One in target customer (residential investors), product mix, and online-direct origination model.
• CoreVest Finance: Specializes in rental and multifamily financing for real estate investors, including single-family rentals and small multifamily. Directly overlaps Lima One's Rental and Multifamily product lines in both customer base and asset class focus.
• Visio Lending: Non-bank lender focused on rental portfolio loans for individual and small-business real estate investors. Comparable to Lima One's Portfolio Rental and long-term rental offerings.
• RCN Capital: Private money lender providing fix-and-flip, new construction, and rental loans to real estate investors. Highly comparable product set and direct-to-investor go-to-market approach.
• Anchor Loans: Hard money lender focused on fix-and-flip and new construction financing for residential investors, with strong West Coast presence. Closely comparable on core fix-and-flip product and investor target.

Broad incumbents

• NewRez (formerly New Penn Financial): Large non-bank mortgage lender with a broader product suite including non-QM and some investor-focused products. Competes with Lima One at the margin but is far broader in customer scope and product breadth.
• Angel Oak Mortgage Solutions: Non-QM and business-purpose lender with offerings for real estate investors and self-employed borrowers. Overlaps with Lima One on the alternative-income underwriting approach for investor clients.

Emerging players

• Patch of Land: Real estate crowdfunding platform focused on fix-and-flip lending. Comparable customer base (residential investors) but operates via a marketplace model rather than direct balance-sheet lending.
• Groundfloor: Real estate crowdfunding platform originating fix-and-flip loans for individual investors. Targets the same residential investor borrower segment but with a different capital structure and scale.

Others

• CrowdStreet: Online commercial real estate investment platform. Adjacent rather than directly competitive — serves the broader real estate investor ecosystem but focuses on equity investing rather than debt origination.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/limaonecapital
• Facebookfacebook.com/limaonecapital
• LinkedInlinkedin.com/company/2068532
• Instagraminstagram.com/limaonecapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Lima One Capital