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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.
Side by side
| Kiavi | Groundfloor | |
|---|---|---|
| Best for | High-volume flippers and investors who also need DSCR rental loans | Smaller first deals and borrowers who want deferred monthly payments |
| Fix-and-flip rates (typical) | ~7.75%–12% | ~9.5%–15%+ (varies by loan grade) |
| Max LTC / ARV | Up to 95% LTC / 80% ARV | Up to 100% LTC on some loans / ~75% ARV |
| Loan sizes | ~$100K–$3M | ~$75K–$1.5M |
| DSCR 30-year rental loans | Yes | No dedicated 30-year DSCR product |
| Income verification | No W-2 or income docs on bridge loans | No income docs |
| Typical close speed | As fast as ~7–10 business days | ~2–4 weeks |
| New-customer offer | $350 cash after first closed loan via referral link | None advertised |
Typical terms as of late 2026; both lenders price per deal and change terms without notice.
Where Kiavi wins
Scale and speed. Kiavi funded more fix-and-flip volume than any US lender in 2024, closes in days rather than weeks, and keeps you in one ecosystem when a flip turns into a rental (bridge to 30-year DSCR). Pricing at the low end of the hard-money range for experienced borrowers.
Where Groundfloor wins
Smaller deals and payment flexibility. Groundfloor's minimums are lower, it can defer monthly payments until payoff, and it occasionally funds up to 100% of costs on strong deals — useful if cash is the constraint on your first flip.
Bottom line
Pick Kiavi if you want the fastest close, competitive experienced-investor pricing, and a lender that can carry you from flip to rental. Pick Groundfloor for a small first deal where deferred payments matter more than speed.