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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.
Side by side
| Kiavi | RCN Capital | |
|---|---|---|
| Best for | Direct borrowers who want the fastest online process | Broker-sourced deals and borrowers who like negotiating terms |
| Fix-and-flip rates (typical) | ~7.75%–12% | ~9.5%–12.5% |
| Max LTC / ARV | Up to 95% LTC / 80% ARV | Up to 90% LTC / 75% ARV |
| Loan sizes | ~$100K–$3M | ~$50K–$3M |
| DSCR 30-year rental loans | Yes | Yes |
| Broker program | Yes | Yes — core of the business |
| Typical close speed | As fast as ~7–10 business days | ~2–3 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
Borrower experience and leverage. Higher max LTC/ARV, a fully online process with instant soft-quote pricing, and no income docs on bridge loans. Kiavi's 2024 origination volume was more than triple any competitor's.
Where RCN Capital wins
Flexibility at the margins. RCN's minimum loan size is lower ($50K), and as a wholesale-first shop it can be more negotiable on unusual deals that don't fit a standardized box.
Bottom line
Most direct borrowers get better leverage, speed, and pricing at Kiavi. RCN makes sense for sub-$100K properties or if you work through a broker who has pull there.