Lendme
LendMe is a California-based direct hard money lender providing short-term private capital to real estate investors and brokers. It offers bridge, fix-and-flip, ground-up construction, and commercial bridge loans across 35+ states with closings as fast as 48 hours.
- Company typePrivate
- Founded2014
- HeadquartersWoodland Hills, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Lendme does
LendMe, Inc. is a California-based direct hard money lender founded in 2014 that provides short-term, business-purpose financing to real estate investors and brokers. The company operates as a licensed California real estate broker (CA DRE #02119364) and deploys capital from its own balance sheet, bypassing securitization or warehouse intermediaries. Its lending platform supports four core products: Bridge Loans, Fix & Flip Loans, Ground-Up Construction Loans, and California-only Commercial Bridge Loans, with loan sizes ranging from $100K to $5M, terms of 12-36 months, and interest-only rates starting at 8.99% (residential) and 9.99% (commercial).
Revenue is generated through interest income on these short-term loans, with no transactional fees or additional revenue streams disclosed. Lending decisions and underwriting are performed in-house, supporting closing times as fast as 48 hours and an average of 5-10 days. The company has accumulated $1.5B+ in funded volume across 2,500+ loans and operates in 35+ states, with California as its primary market. Its go-to-market is sales-led: a direct website application flow, phone-based deal intake (877-LENDME-1), and a broker partner network of 500+ trusted intermediaries that generate a meaningful share of deal flow. The broker protection policy (no circumvention) is a stated differentiator designed to preserve channel relationships.
Customer segments are non-owner-occupied real estate investors (primary), hard money brokers and agents (primary), and commercial real estate sponsors (secondary). The technology stack is described as a direct private lending platform with no disclosed proprietary features, AI capabilities, APIs, or integrations, indicating that differentiation rests on operational execution, broker relationships, and balance-sheet agility rather than algorithmic underwriting or platform tooling.
Lendme firmographics
Firmographics- Name
- Lendme
- Legal name
- LendMe, Inc.
- Website
- https://lendmehardmoney.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LendMe is a California-based direct hard money lender providing short-term private capital to real estate investors and brokers. It offers bridge, fix-and-flip, ground-up construction, and commercial bridge loans across 35+ states with closings as fast as 48 hours.
- Ownership category
- akta.pro rank
Lendme industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Real Estate Credit (522292), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- CRE Bridge & Transitional Lending (FSALADAC)
- akta.pro secondary industries
- Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where Lendme is headquartered
LocationHeadquarters
- HQ city
- Woodland Hills
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lendme business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Loan Interest Income: LendMe generates revenue through interest charged on short-term hard money loans for real estate investors. Loans include bridge loans, fix & flip loans, ground-up construction loans, and commercial bridge loans. Interest rates start at 8.99% for residential programs and 9.99% for commercial programs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Bridge Loans - Short-term financing for stabilized investment properties |
| Transaction based/ take rate | Pay-as-you-go | Fix & Flip Loans - Acquisition and renovation financing |
| Transaction based/ take rate | Pay-as-you-go | Ground-Up Construction Loans - New residential development financing |
| Transaction based/ take rate | Pay-as-you-go | Commercial Bridge Loans - California only commercial real estate financing |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Lendme product offering
Product offeringCore offering
LendMe is a direct hard money lender that provides short-term, business-purpose financing for non-owner-occupied investment properties. The company deploys its own private capital through four loan programs: Bridge Loans, Fix & Flip Loans, Ground-Up Construction Loans, and Commercial Bridge Loans (California only), with loan amounts from $100K to $5M and terms of 12-36 months. The company serves real estate investors and mortgage brokers nationwide across 35+ states, with a focus on speed (48-hour closings) and broker-first execution.
Product overview
LendMe is a direct hard money lender offering four distinct short-term loan programs for real estate investors: Bridge Loans for stabilized investment properties, Fix & Flip Loans for acquisition and renovation financing, Ground-Up Construction Loans for new residential development, and Commercial Bridge Loans for commercial properties (California only). The company focuses on speed and reliability, targeting non-owner-occupied investment properties with loan amounts ranging from $100K to $5M, terms of 12-36 months, and rates starting at 8.99% interest-only.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans Short-term financing for real estate investors to purchase or refinance stabilized 1-4 unit investment properties (townhomes, condos, PUDs). Loan amounts from $100K to $5M, up to 80% LTV for purchases and 75% for refinances, 12-18 month terms, starting at 8.99% interest-only rates. Designed for time-sensitive transactions including bridge purchases, cash-out refinances, and 1031 exchanges.
- Fix & Flip Loans Short-term acquisition and renovation financing for real estate investors pursuing value-add strategies on 1-4 unit properties. Offers up to 90% LTC and 75% LTV (ARV), 12-18 month terms, 100% rehab financing, and streamlined draw processes. Built for repeat flippers and value-add investors.
- Ground-Up Construction Loans Short-term construction financing for experienced residential builders developing new 1-4 unit investment properties. Loan amounts from $250K to $5M, up to 85% LTC and 70% LTV (ARV), 12-18 month terms, with non-Dutch interest. Requires prior ground-up construction experience. Includes streamlined draw processes.
- Commercial Bridge Loans Short-term commercial property financing for experienced sponsors acquiring or refinancing office, retail, industrial, mixed-use, and special-purpose assets in California. Loan amounts from $250K to $5M, up to 70% LTV for purchases and 60% for refinances, 12-36 month terms, starting at 9.99% interest-only. Use cases include commercial acquisitions, bridge to SBA/bank financing, and debt maturity refinancing.
Quantifiable outcome
- Close loans in as little as 48 hours
- +2 more outcomes
Companies that use Lendme
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Lendme technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lendme partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights4 records
Lendme competitors and assessment
Company assessmentDirect peers
- RCN Capital: RCN Capital is a direct private lender offering short-term fix-and-flip, bridge, new construction, and rental loans to real estate investors nationwide. It competes with LendMe on nearly identical product set and broker-first distribution model.
- Newfi Wholesale: Newfi is a non-QM and bridge lender providing short-term investor financing including fix-and-flip and DSCR programs. Competes with LendMe on broker-originated short-term loans for real estate investors, though Newfi is more wholesale-driven.
- Kiavi: Kiavi (formerly LendingHome) is the largest direct online hard money lender for real estate investors, offering bridge, fix-and-flip, and rental loans. It competes head-to-head with LendMe on the same SMB investor and broker segments with similar rates, ticket sizes, and direct-funded balance sheet model.
- Lima One Capital: Lima One Capital is a direct hard money lender specializing in fix-and-flip, bridge, new construction, and rental portfolio loans for real estate investors. It is one of LendMe's closest direct competitors with comparable nationwide reach, broker partnerships, and similar institutional capital backing.
- CoreVest (Redwood Trust): CoreVest is a direct lender to residential real estate investors offering bridge, fix-and-flip, and rental portfolio financing, now owned by Redwood Trust. It competes directly with LendMe across investor loan products and is a meaningful institutional-backed peer.
- Connaught (formerly Delancey Street): Connaught is a direct private lender providing bridge, fix-and-flip, and construction financing to UK and US real estate investors. Highly comparable product set and broker-distribution model with similar loan sizes and short-term tenors.
Emerging players
- Groundfloor Finance: Groundfloor is an online real estate lending platform offering short-term fix-and-flip and rental loans, historically more retail/crowdfocused but now expanding institutional product lines. Overlaps with LendMe on short-term investor financing but with a differentiated technology-led GTM.
Broad incumbents
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and bridge lender serving the real estate investor and non-conforming borrower segments. Larger and broader portfolio than LendMe, including full non-QM agency-eligible programs, but overlapping significantly on bridge and investor financing.
Market position
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Lendme compliance and trust
Trust signalCompliance1 record
Lendme financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lendme leadership team
Management profileNumber of profiles
Lendme funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lendme 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 Lendme
What does Lendme do?
LendMe is a direct hard money lender that provides short-term, business-purpose financing for non-owner-occupied investment properties. The company deploys its own private capital through four loan programs: Bridge Loans, Fix & Flip Loans, Ground-Up Construction Loans, and Commercial Bridge Loans (California only), with loan amounts from $100K to $5M and terms of 12-36 months. The company serves real estate investors and mortgage brokers nationwide across 35+ states, with a focus on speed (48-hour closings) and broker-first execution.
Is Lendme a public or private company?
Lendme is a private company. It is classified as unknown and is currently operating.
When was Lendme founded?
Lendme was founded in 2014. It employs 11 to 50 people.
Where is Lendme based?
Lendme is headquartered in Woodland Hills, United States, in the North America region.
How does Lendme make money?
One revenue line is on record: loan Interest Income.
Who are Lendme's main competitors?
Direct peers on record are RCN Capital, Newfi Wholesale, Kiavi, Lima One Capital, CoreVest (Redwood Trust) and Connaught (formerly Delancey Street). Groundfloor Finance is listed as an emerging player. Angel Oak Mortgage Solutions is listed as a broad incumbent.
Does Lendme have an API?
No public API is recorded for Lendme.
What industry is Lendme in?
Lendme's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSALADAC, CRE Bridge & Transitional 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.