LK Secured Lending
LK Secured Lending is a private real estate lender and investment platform that originates short-term, asset-backed bridge, fix-and-flip, construction, and refinance loans ($500K–$20MM) for real estate borrowers and operates Reg D and Reg A debt-only funds for accredited and non-accredited investors.
- Company typePrivate
- Founded2019
- HeadquartersLos Angeles, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What LK Secured Lending does
LK Secured Lending, INC. is a privately held real estate investment and lending platform founded in 2019 and headquartered in Thousand Oaks, California, with a secondary office in Park City, Utah. The firm operates as a direct private lender, originating short-term, asset-backed real estate loans — bridge loans, refinance loans, cash-out loans, fix-and-flip loans, and construction loans — in sizes ranging from $500,000 to $20,000,000, with terms of 3 to 24 months (typically 12 months), interest rates starting at 6.99%, and loan-to-value ratios up to 75%. It serves two distinct customer segments in parallel: real estate borrowers (commercial and residential property owners, developers, and fix-and-flip investors who need fast, flexible capital when traditional banks decline) and investors (accredited and non-accredited individuals seeking senior, asset-backed yield).
The company’s technology backbone is a conventional lending platform rather than a fintech product: a secure Investor Member Portal with OAuth 2.0 authentication handles onboarding and ongoing account management, while loan inquiry and broker-submission workflows run through the public website (lksecuredlending.com). On the investor side, the firm operates two parallel fund vehicles — a Reg D fund for accredited investors with a $25,000 minimum and a Reg A fund for non-accredited investors with a $5,000 minimum — both structured as debt-only positions where investors hold senior priority similar to a bank lender. Origination is distributed across direct-to-borrower sales, a formal Broker Program serving commercial and residential real estate brokers with 24-hour response SLAs, and investor capital is raised through investment seminars, a newsletter funnel, and direct outreach.
The business model combines transaction-level interest income on originated loans with fund management fees, generating revenue from interest charged on a portfolio maintained at a 53% loan-to-value ratio with a disclosed 9.5% annualized return since inception. The firm is led by three founding principals — Barry Levenson (CEO, formerly co-founder of Countrywide Bank and a $300M real estate acquisition fund), Paul L. Kessler (Chairman, with 650+ prior investment transactions), and Diana Derycz-Kessler (Director) — supported by a COO/General Counsel and a four-person sales organization. It holds a California Finance Lender Law License (60dbo-113614) and operates with 11–50 employees, having completed 19 recently funded transactions totaling over $50MM primarily in California with selective expansion into Nevada.
LK Secured Lending firmographics
Firmographics- Name
- LK Secured Lending
- Legal name
- LK Secured Lending, INC.
- Website
- https://lksecuredlending.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LK Secured Lending is a private real estate lender and investment platform that originates short-term, asset-backed bridge, fix-and-flip, construction, and refinance loans ($500K–$20MM) for real estate borrowers and operates Reg D and Reg A debt-only funds for accredited and non-accredited investors.
- Ownership category
- akta.pro rank
LK Secured Lending industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Real Estate Credit (522292), Other Financial Vehicles (525990), Other Investment Pools and Funds (5259)
- SIC
- Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162), Investors, Nec (6799)
- akta.pro primary industry
- Senior Secured Direct Lending (FSANADAA)
- akta.pro secondary industries
- Private Credit / Direct Lending (FSAAAHAG), Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB)
Keywords
Where LK Secured Lending is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
LK Secured Lending business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Interest Income on Bridge/Short-Term Loans: LK Secured Lending generates revenue from interest charged on short-term real estate loans including bridge loans, fix-and-flip loans, construction loans, refinance loans, and cash-out loans. Loan amounts range from $500,000 to $20,000,000, with terms of 3 to 24 months (typically 12 months) and interest rates starting at 6.99%. The firm acts as a direct private lender, deploying investor capital into asset-backed loans.
- Fund Management Fees: LK manages an investment fund where investors own 100% of shares and loans are collectively owned. The fund distributes all interest earned net of fees monthly to investors. LK Advisors manage the fund and earn management fees as part of the fund structure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Reg D Fund — Accredited Investors Only |
| Other | Monthly | Reg A Fund — All Investors |
| Other | Pay-as-you-go | Short-Term Commercial Loans — $500,000 to $20,000,000 |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
LK Secured Lending product offering
Product offeringCore offering
LK Secured Lending is a private lending and investment firm that originates short-term, asset-backed real estate loans—including bridge loans, refinance loans, cash-out loans, fix-and-flip loans, and construction loans—sized from $500,000 to $20,000,000 with loan-to-value ratios up to 75% and terms of 3 to 24 months. The firm also raises investor capital through two parallel funds (Reg D for accredited investors with a $25,000 minimum, and Reg A for all investors with a $5,000 minimum), pooling that capital to fund senior-secured loan positions and distributing returns monthly.
Product overview
LK Secured Lending is a private lending and investment firm offering a portfolio of short-term, asset-backed loan products and investment funds. The core lending products include Bridge Loans, Refinance Loans, Cash-Out Loans, Fix and Flip Loans, and Construction Loans, all secured by real estate with loan-to-value ratios up to 75% and loan amounts between $500,000 to $20,000,000. The company operates two parallel investment funds: the Reg D Fund for accredited investors (minimum $25,000) and the Reg A Fund for all investors (minimum $5,000), both structured with senior debt-only positions. The product ecosystem also includes a Broker Program for real estate brokers and a Member Portal for investor account management.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans Short-term financing that provides quick funds to bridge the gap until long-term financing, a construction loan, or the sale of an asset is secured; sized $500,000 to $20,000,000 with terms of 3 to 24 months and LTV up to 75% for commercial and residential real estate borrowers.
- Refinance Loans Loan product that replaces an existing loan, often to obtain better terms or access equity; offered at loan amounts from $500,000 to $20,000,000 with terms of 3 to 24 months and LTV up to 75% for commercial and residential real estate.
- Cash-Out Loans Loan product that allows refinancing for more than owed, turning built-up real estate equity into cash; available from $500,000 to $20,000,000 with terms of 3 to 24 months and LTV up to 75%.
- Fix and Flip Loans Short-term financing designed for investors to buy, renovate, and quickly sell properties; sized $500,000 to $20,000,000 with terms of 3 to 24 months and LTV up to 75% for residential and commercial fix-and-flip operators.
- Construction Loans Short-term loan to fund building or renovations, with funds released as work progresses; available from $500,000 to $20,000,000 with terms of 3 to 24 months and LTV up to 75% for developers and builders.
- Reg D Fund (Accredited Investors) Private investment fund open to accredited investors with a $25,000 minimum investment, offering a senior priority position similar to a bank on LK's portfolio of short-term, asset-backed real estate loans, with monthly interest distributions and IRA compatibility.
- Reg A Fund (All Investors) Private investment fund open to all investors without accreditation requirement, with a $5,000 minimum investment, providing the same senior-debt payout structure and monthly distributions as the Reg D fund.
Quantifiable outcome
- 9.5% annualized return since inception
- +4 more outcomes
Companies that use LK Secured Lending
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles2 records
LK Secured Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
LK Secured Lending partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
LK Secured Lending competitors and assessment
Company assessmentDirect peers
- Kiavi: One of the largest tech-enabled private real estate lenders (formerly LendingHome), offering bridge and fix-and-flip loans to residential investors. Directly competes with LK in the same short-duration, asset-backed lending segment with similar product and borrower profiles.
- CoreVest Finance: Private lender focused on residential real estate investors offering bridge, fix-and-flip, and rental loans. Closely overlapping product mix and investor/borrower targeting with LK.
- Patch of Land: Tech-enabled private real estate lending marketplace offering bridge loans to investors. Similar senior-secured debt model serving comparable fix-and-flip and bridge use cases as LK.
- Newfi: Non-QM and private real estate lender providing bridge and business-purpose loans to real estate investors. Comparable loan products, borrower profiles, and short-term asset-backed structure.
- A10 Capital: Commercial real estate bridge and transitional lender providing short-term financing secured by income-producing properties. Overlap with LK's commercial bridge and refinance loan book.
- RCN Capital: National private real estate lender providing short-term fix-and-flip, bridge, and rental portfolio financing. Overlapping product set, borrower segments, and broker-channel go-to-market with LK.
- Hall Structured Finance: Private commercial real estate lender specializing in bridge, construction, and value-add loans. Comparable loan sizes, asset-backed structure, and private-fund capital model.
- Lima One Capital: Specialist private real estate lender offering bridge, fix-and-flip, new construction, and rental loans to investors. Competes head-to-head with LK on loan size, speed of execution, and investor/borrower business model.
Emerging players
- PeerStreet: Real estate debt investment platform connecting investors with private real estate loans. Shares LK's model of pooling investor capital into short-term asset-backed loans but with a marketplace/debt crowdfunding angle.
Broad incumbents
- Angel Oak Mortgage Solutions: Non-QM and private mortgage lender (subsidiary of Angel Oak Capital) offering non-agency and short-term real estate financing. Broader portfolio than LK but overlapping in the non-bank private lending space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
LK Secured Lending social profiles
Digital presenceLK Secured Lending compliance and trust
Trust signalCompliance1 record
LK Secured Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
LK Secured Lending leadership team
Management profileNumber of profiles
Profiles9 records
LK Secured Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LK Secured Lending 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 LK Secured Lending
What does LK Secured Lending do?
LK Secured Lending is a private lending and investment firm that originates short-term, asset-backed real estate loans—including bridge loans, refinance loans, cash-out loans, fix-and-flip loans, and construction loans—sized from $500,000 to $20,000,000 with loan-to-value ratios up to 75% and terms of 3 to 24 months. The firm also raises investor capital through two parallel funds (Reg D for accredited investors with a $25,000 minimum, and Reg A for all investors with a $5,000 minimum), pooling that capital to fund senior-secured loan positions and distributing returns monthly.
Is LK Secured Lending a public or private company?
LK Secured Lending is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LK Secured Lending founded?
LK Secured Lending was founded in 2019. It employs 11 to 50 people.
Where is LK Secured Lending based?
LK Secured Lending is headquartered in Los Angeles, United States, in the North America region.
How does LK Secured Lending make money?
Two revenue lines are on record. Interest Income on Bridge/Short-Term Loans are the primary driver. The others are fund Management Fees.
Who are LK Secured Lending's main competitors?
Direct peers on record are Kiavi, CoreVest Finance, Patch of Land, Newfi, A10 Capital, RCN Capital, Hall Structured Finance and Lima One Capital. PeerStreet is listed as an emerging player. Angel Oak Mortgage Solutions is listed as a broad incumbent.
Does LK Secured Lending have an API?
No public API is recorded for LK Secured Lending.
What industry is LK Secured Lending in?
LK Secured Lending's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSANADAA, Senior Secured Direct Lending, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6153.