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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.
Side by side
| Kiavi | New Silver | |
|---|---|---|
| Best for | Volume flippers and BRRRR investors | Fast online term sheets on smaller East Coast deals |
| Fix-and-flip rates (typical) | ~7.75%–12% | ~9.5%–11.25% |
| Max LTC / ARV | Up to 95% LTC / 80% ARV | Up to 100% of construction / ~92.5% LTC / 80% ARV |
| Loan sizes | ~$100K–$3M | ~$100K–$5M |
| DSCR 30-year rental loans | Yes | Yes |
| Instant online term sheet | Yes — soft quote in minutes | Yes — core feature |
| Typical close speed | As fast as ~7–10 business days | ~5–10 days |
| 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
Pricing depth and proven scale. Experienced investors typically price lower at Kiavi, the DSCR product is more mature, and $30B+ in originations means underwriting rarely surprises you at the closing table.
Where New Silver wins
Leverage on construction budgets. New Silver funds up to 100% of rehab/construction costs on qualifying deals and advertises slightly higher ARV limits, which can mean less cash in on heavy rehabs.
Bottom line
Both are fast, online-first lenders. Kiavi usually wins on rate and product depth; New Silver is worth a term-sheet comparison on heavy-rehab deals where construction leverage drives your cash-to-close.