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Iron Bridge Lending vs. LendingOne

A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.

Criteria
Iron Bridge Lending
LendingOne Verified 17 Sep 2026
Type hard money hard money
Headquarters Lake Oswego, OR Boca Raton, FL
Founded 2009 2014
Geographic focus Western & Midwest National
Products fix-and-flip, bridge, new-construction fix-and-flip, BRRRR, rental, bridge, new-construction
Loan size range $75,000–$3,000,000 $85,000–$2,000,000
Max LTV 75% 80%
Max LTC 85% 90%
Terms 12 months 12-24 months (hard money) / 30-year (rental)
Typical close time 7-14 days typical 14-21 days typical
Rate range 9.5%–12% 9%–12%
Points 1.5–3 pts 1–3 pts

Where they actually differ

LendingOne adds BRRRR and rental. A deal that specifically needs one of those only has one side of this comparison to go to.

Iron Bridge Lending quotes a 7-14 days typical close; LendingOne quotes 14-21 days typical. On a competitive acquisition that gap can be the whole decision.

Term structure differs too: Iron Bridge Lending runs 12 months; LendingOne runs 12-24 months (hard money) / 30-year (rental).

Leverage: Iron Bridge Lending tops out at 75% LTV / 85% LTC, against 80% / 90% at LendingOne. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.

Questions

Does one of these two write a loan product the other doesn't?
LendingOne adds BRRRR and rental. A deal that specifically needs one of those only has one side of this comparison to go to.
Which offers more leverage, Iron Bridge Lending or LendingOne?
Iron Bridge Lending tops out at 75% LTV / 85% LTC, against 80% / 90% at LendingOne. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Which publishes the lower rate range, Iron Bridge Lending or LendingOne?
Iron Bridge Lending quotes 9.5%–12%; LendingOne quotes 9%–12%. Where a specific file lands inside either range depends on leverage, credit and property type, so the published floor of one range beating the other's isn't the same as a guaranteed better price.
Which handles a larger loan, Iron Bridge Lending or LendingOne?
Iron Bridge Lending runs $75,000–$3,000,000; LendingOne runs $85,000–$2,000,000. That gap mostly matters at either end of the range.
Which closes faster, Iron Bridge Lending or LendingOne?
Iron Bridge Lending quotes a 7-14 days typical close; LendingOne quotes 14-21 days typical. On a competitive acquisition that gap can be the whole decision.

Iron Bridge Lending

An investor who needs short-term fix-and-flip or new-construction financing and will source the rental takeout loan separately

Lender profile

LendingOne

An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score

Lender profile Requirements

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