Simplicity Funding & Holdings

What Simplicity Funding & Holdings does

Simplicity Funding and Holdings LLC is a privately held direct-to-borrower private real estate lender founded in 2014 and headquartered at 4907 North Florida Avenue in Tampa, Florida. The company operates as an LLC serving real estate investors, fix-and-flip operators, builders, developers, and property wholesalers primarily in the Florida market, with a stated mission to provide quick funding solutions to underserved borrowers while delivering passive returns to investors. Its originator-to-close process uses phone and website inquiry forms rather than branch networks or institutional broker channels, with a dedicated account representative assigned to each borrower.

The company's product portfolio spans six loan programs: Bridge Loans (5-7 day closings, 8-12% interest, up to $5 million for multi-family); Hard Money Loans (no appraisal, no credit check, no income verification, 5-7 day closings); Fix & Flip financing (up to 70% acquisition and up to 100% of rehab budget); Rental/DSCR loans for long-term portfolio building; CRE Permanent Financing routed through wholesale channels including commercial agency loans and hedge funds; and Transactional Financing for ultra-short-term wholesale closings. Revenue is generated through transaction-based interest income, origination fees, points, and closing costs on each funded loan, with no SaaS, subscription, or recurring revenue components disclosed.

The firm is led by founder and CEO Justin Savich and operates with 11-50 employees out of a single Tampa office. There are no disclosed institutional funding rounds, investor capital pool structure, parent company, subsidiaries, M&A activity, patents, certifications, or technology platform details. Distribution is limited to the company website, direct phone contact, mortgage broker referrals, and word-of-mouth, with no documented digital marketing, social media presence, or content marketing activity. The business model is fundamentally balance-sheet lending rather than marketplace origination, which constrains growth velocity relative to capital-light fintech competitors.

Name

Simplicity Funding & Holdings

Legal name

Simplicity Funding and Holdings LLC

Website

https://simplicityfunding.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Simplicity Funding and Holdings LLC is a Tampa-based private real estate lender founded in 2014 that offers bridge loans, hard money, fix-and-flip, rental, CRE permanent, and transactional financing directly to real estate investors, builders, developers, and wholesalers in the Florida market.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Real Estate Private Credit (CRE Debt) (FSANADAG)

akta.pro secondary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Private real estate lending
• Hard money loans
• Bridge loan financing
• Fix and flip loans
• Commercial real estate lending

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: As a private lender, Simplicity Funding generates revenue primarily through interest charged on bridge loans, hard money loans, fix-and-flip financing, and CRE bridge loans. Rates for bridge loans range from 8%-12%.
2. Loan Origination and Closing Fees: The company likely charges origination fees, points, and closing costs associated with funding real estate transactions, typical of private lending operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Simplicity Funding and Holdings LLC is a direct private lender that originates short-term and long-term real estate loans for investors, builders, and developers. Its product portfolio includes bridge loans, hard money loans, fix-and-flip financing, rental/DSCR loans, transactional financing, and CRE permanent financing arranged through wholesale channels. Loans close in 5-10 days with rates typically ranging from 8% to 12%, targeting borrowers underserved by traditional banks.

Product overview

Simplicity Funding and Holdings LLC is a direct lender offering a portfolio of specialized real estate financing products. The company operates as a single unified offering with multiple loan programs targeting different investor needs: Bridge Loans for short-term commercial and residential transitions; CRE Permanent Financing for long-term commercial agency and hedge fund loans; Hard Money Loans for business-purpose borrowers requiring quick closing without traditional verification; Fix & Flip Financing for renovation projects funding up to 100% of rehab costs; Rental Loans for long-term portfolio building including DSCR programs; and Transactional Financing for rapid property transfers. All programs emphasize fast 5-10 day closings, flexible terms, and competitive pricing compared to traditional bank lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridge Loans Short-term bridge financing for residential and commercial properties, closing within 5-7 days with interest rates ranging from 8% to 12%. Covers SFR, 1-4 unit, and multi-family properties up to $5 million, targeting real estate investors needing fast transitional capital.
• CRE Permanent Financing Long-term commercial real estate financing arranged through approved wholesale channels, including commercial agency loans and hedge funds, for borrowers seeking permanent CRE capital beyond Simplicity's short-term products.
• Hard Money Loans Business-purpose loans for builders, developers, and investors requiring no appraisal, no credit check, and no income verification, with a competitive structure and quick 5-7 day closing. Targets borrowers excluded from traditional bank underwriting.
• Fix & Flip Financing Short-term financing for property renovation and resale, funding up to 70% of acquisition cost and up to 100% of the rehabilitation budget. Designed for fix-and-flip investors needing high LTV combined financing on time-sensitive deals.
• Rental Loans Long-term financing solutions for building rental property portfolios, including DSCR (Debt Service Coverage Ratio) loans. Targets investors seeking a long-term financing partner for ongoing rental acquisitions rather than short-term transactional capital.
• Transactional Financing Super short-term financing for flipping or wholesaling properties to another buyer, typically closing within days of a purchase transaction. Targets wholesalers who need rapid capital to fund transactions before assignment.

Quantifiable outcome

• Bridge loans close within 5-7 days, compared to banks and traditional lenders
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Kiavi: Technology-driven private real estate lender focused on fix-and-flip and rental investor financing; uses a capital-light marketplace model and represents the technological edge that traditional hard money lenders like Simplicity must compete against.
• AHL Funding (Alpha Hayes Lending): Specialized private lender providing bridge, fix-and-flip, and construction financing to real estate investors; comparable niche focus but smaller scale than Simplicity.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender offering broad loan products including DSCR and investment property financing; competes with Simplicity on rental/DSCR loans but does not match hard money speed.
• loanDepot: Large multichannel mortgage lender offering conventional and investor financing; a broad-incumbent competitor for the rental/DSCR side of Simplicity's book.

Direct peers

• RCN Capital: Private lender offering bridge, fix-and-flip, and DSCR/rental loans to real estate investors; competes head-to-head with Simplicity across the same investor segments and use cases.
• Lima One Capital: Direct private lender specializing in fix-and-flip, new construction, and rental portfolio loans for real estate investors; nearly identical target customer and product set as Simplicity Funding.
• LendingOne: Private real estate lender providing bridge, fix-and-flip, and rental/DSCR loans to investors; directly overlaps with Simplicity on the investor-borrower side and product menu.
• Visio Financial: Private bridge and fix-and-flip lender for real estate investors; comparable product structure (short-term, asset-based, speed-driven) and similar customer profile to Simplicity.
• Anchor Loans: National private/hard money lender focused exclusively on residential fix-and-flip and new construction investors, with loan products, fast closings, and rehab draw structures directly comparable to Simplicity's Fix & Flip program.
• NewFi (formerly known as Asset Avenue): Online private lender focused on fix-and-flip and rental financing for real estate investors; competes on speed and accessibility with a similar target customer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/100068965000197

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 Simplicity Funding & Holdings