Elite 1 Financial Services

What Elite 1 Financial Services does

Elite 1 Financial Services LLC, operating under the trade name Elite 1 Finance, is a non-banking private money (hard money) lender founded in 2004 and headquartered in Atlanta, Georgia. The firm originates loans nationwide across all 50 U.S. states and accepts international investor applications, serving borrowers that conventional lenders typically decline. Its core customer segments are real estate investors, small-to-mid-sized business owners seeking working capital, high-net-worth individuals pledging luxury assets, and mortgage brokers sourcing complex transactions.

The product suite includes New Construction Loans, Rehab/Flip Loans, Refinancing and Buy-and-Hold financing, Bridge Loans, Business Loans ($50,000 to $5,000,000+), Luxury Items Financing against collateral such as jewelry, fine art, exotic cars, yachts and aircraft (up to 60% LTV), and a Linked Account program that provides a company-named bank account for proof-of-funds and balance sheet enhancement, with a $1M floor and recurring fees. Underwriting is criteria- and asset-statement-based rather than purely credit-score-driven, and the company states it can deliver funding decisions in hours for business loans and as fast as ten days on real estate deals.

The business model is transaction-fee driven, with revenue generated from origination fees and interest income across the loan book; the Linked Account product layers in setup fees (2-15%) and monthly rental fees (up to 3%), introducing a subscription-like stream. Go-to-market is sales-led via dedicated account managers and a website-based decision-tree application, augmented by an actively recruited broker/partner channel that brings hard-to-close deals. No proprietary technology platform, API, or AI capabilities are disclosed; underwriting and origination operate on manual, relationship-driven processes with a small (1-10) employee team.

Name

Elite 1 Financial Services

Legal name

Elite 1 Financial Services LLC

Website

https://elite1finance.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Elite 1 Financial Services is a non-banking private money lender, founded in 2004 and headquartered in Atlanta, that originates hard money loans for real estate investors, working-capital loans for SMBs, luxury-asset financing, and a Linked Account proof-of-funds program across all 50 U.S. states.

Ownership category

akta.pro rank

Product category

Private Money / Hard Money Lending

NAICS

Finance and Insurance (52)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Private money lending
• Hard money loans
• Real estate financing
• Business working capital
• Luxury asset lending

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Real Estate Loans: Interest income from providing hard money loans for real estate transactions including new construction, rehab/flip, and refinancing. Loan amounts range from $250,000 (residential minimum) to $5M+ for commercial deals. Terms include short-term bridge loans and longer financing options.
2. Business Loans: Working capital financing for businesses across all industries. Loan amounts range from $50,000 to $5,000,000+. Revenue generated through interest rates and origination fees on funded loans.
3. Luxury Asset Financing: Asset-based lending against luxury items (jewelry, art, exotic cars, yachts, planes). Loan-to-value ratio up to 60% (50% mentioned in one place), with monthly payment terms and repurchase option. Revenue from interest on collateralized loans.
4. Linked Account Program: Bank account services with company name on banking platform for balance sheet enhancement. Includes proof of funds capability. Program has $1,000,000 floor with 2-15% setup fee and up to 3% monthly rental fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Elite 1 Financial Services is a non-banking private money lender providing hard money loans for residential, commercial, and land real estate (new construction, rehab/flip, refinancing/buy-hold, and bridge financing), working capital business loans from $50,000 to $5,000,000+, luxury-asset collateralized financing, and a balance-sheet Linked Account program. The firm operates nationwide across all 50 U.S. states, targeting borrowers turned away by conventional lenders and serving both domestic and international investors.

Product overview

Elite 1 Financial Services is a private money lending company offering a comprehensive suite of financing solutions through multiple product lines. The core offerings include New Construction Loans, Rehab/Flip Loans, Refinancing/Buy & Hold, Bridge Loans, Business Loans, and Luxury Items Financing. Additionally, the Linked Account program provides balance sheet enhancement services. The company operates nationwide across all 50 states, serving real estate investors, business owners, and borrowers with challenging financing situations. Loan amounts range from $50,000 to $5,000,000+ with flexible terms and quick approvals.

Differentiator

Problem solved

Functional benefit

Products and services

• New Construction Loans Ground-up construction financing for residential and commercial projects with flexible draw schedules and competitive rates, designed for real estate investors building new properties.
• Rehab/Flip Loans Hard money loans for property rehabilitation and fix-and-flip investments with quick closings, aimed at real estate investors needing fast capital to acquire and renovate properties for resale.
• Refinancing/Buy & Hold Loans Cash-out and rate/term refinancing options for investment properties plus financing for buy-and-hold rental strategies with competitive long-term terms.
• Bridge Loans Short-term bridge financing that helps borrowers close quickly on time-sensitive real estate deals while arranging permanent financing, often used to secure investment property acquisitions.
• Business Loans Working capital loans ranging from $50,000 to $5,000,000+ for businesses across all industries and U.S. states, with fast approval, flexible repayment terms, and inclusive credit criteria based on minimal paperwork.
• Luxury Items Financing Asset-based collateralized lending for high-value luxury assets—including jewelry, diamonds, fine art, luxury and exotic cars, yachts, planes, and collectibles—with up to 60% loan-to-value, monthly payment terms, and a retain repurchase option.
• Linked Account Bank account service with Elite 1's name on a banking platform designed for balance sheet enhancement and proof of funds, with a $1,000,000 floor, 2-15% setup fee, and up to 3% monthly rental fee.

Quantifiable outcome

• Funding decisions often within 24 hours
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Roc Capital: Hard money lender serving real estate investors with short-term financing for acquisition, rehab, and construction. Closely comparable loan products and broker-driven model.
• Kiavi (formerly LendingHome): Tech-enabled private real estate lender offering bridge and long-term financing to investors. Comparable hard money loan products with a more technology-forward operating model.
• Patch of Land: Private money lender for real estate investors offering short-term bridge and rehab financing. Directly comparable to Elite 1's real estate lending products.
• Anchor Loans: Large private money lender focused exclusively on fix-and-flip and new construction financing for real estate investors. Operates with broker partner channels similar to Elite 1.
• Lima One Capital: Direct hard money lender specializing in residential and commercial real estate investor loans including new construction, rehab/fix-and-flip, and rental financing. Highly comparable product set and target borrower base to Elite 1.
• Visio Financial: Private lender to real estate investors providing bridge and construction loans. Similar product mix and target borrower profile to Elite 1.

Broad incumbents

• NewRez (formerly New Penn Financial): Large non-bank mortgage lender offering a wide range of residential and investor loan products. Competes with Elite 1 in the broader non-bank lending space, though with substantially larger scale and balance sheet.
• OnDeck Capital: Established online small business lender providing working capital loans to SMBs. Overlaps with Elite 1's Business Loans product ($50K-$5M+ working capital range).

Emerging players

• Groundfloor: Real estate investment platform offering short-term debt funding for fix-and-flip projects. Targets similar real estate investor borrower base as Elite 1.
• EasyKnock: Asset-based residential financing platform allowing homeowners to access equity through sale-leaseback. Overlaps with Elite 1's luxury asset-based lending concept.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/elite-1-financeofficial

Revenue estimate

Valuation estimate

Number of profiles

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 Elite 1 Financial Services