Kiavi vs. the Competition
Kiavi is the biggest fix-and-flip lender in the US, but biggest isn't always right for your deal. Here's how it compares to the other national hard money lenders — and when each one wins.
The quick chart
| Lender | Fix-and-flip rates | Max LTC / ARV | 30-yr DSCR | Best for |
|---|---|---|---|---|
| Kiavi | ~7.75%–12% | 95% / 80% | Yes | Speed, scale, flip-to-rental, experienced-investor pricing |
| Groundfloor | ~9.5%–15%+ | 100% / 75% | No | Small first deals, deferred payments |
| Lima One Capital | ~9%–12.5% | 92.5% / 75% | Yes | New construction, 5+ unit multifamily |
| RCN Capital | ~9.5%–12.5% | 90% / 75% | Yes | Sub-$100K deals, broker relationships |
| Upright (Fund That Flip) | ~9.99%+ | 95% / 70% | Limited | Proven flippers in Midwest/Northeast |
| New Silver | ~9.5%–11.25% | 92.5% / 80% | Yes | Heavy-rehab construction leverage |
Typical published/observed ranges as of late 2026; every lender prices per deal. Click through for the full head-to-head.
Head-to-head breakdowns
Kiavi vs. Groundfloor
Groundfloor is a crowdfunded hard money lender known for low minimum loan amounts and deferred payments; Kiavi is the volume leader with faster institutional-grade closings and a full rental (DSCR) product line.
Kiavi vs. Lima One Capital
Both are national, institutionally backed lenders for residential investors. Lima One (a MFA Financial company) is strong on new construction and multifamily; Kiavi leads on fix-and-flip volume, speed, and a tech-first application.
Kiavi vs. RCN Capital
RCN Capital is a wholesale-friendly national private lender with a broad box; Kiavi is a direct, tech-driven lender with the largest fix-and-flip volume in the country.
Kiavi vs. Upright (formerly Fund That Flip)
Upright (rebranded from Fund That Flip in 2023) pairs hard money lending with a passive-investor funding marketplace; Kiavi is a pure direct lender with institutional capital and bigger scale.
Kiavi vs. New Silver
New Silver is a fintech hard money lender known for instant online term sheets and crypto-adjacent funding rails; Kiavi is the category's volume leader with deeper products and cheaper experienced-investor pricing.
How we compare lenders
Every page uses the same yardsticks: published rate ranges, maximum leverage (LTC and ARV), loan size limits, whether a true 30-year DSCR product exists, closing speed, and any new-customer incentive. Where lenders don't publish numbers, we use the ranges they quote publicly and flag them as typical. When Kiavi loses a category, the page says so. Start with our full Kiavi review if you want the baseline first.