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Iron Bridge Lending vs. Lima One Capital

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

Criteria
Iron Bridge Lending
Lima One Capital Verified 17 Sep 2026
Type hard money hard money
Headquarters Lake Oswego, OR Greenville, SC
Founded 2009 2010
Geographic focus Western & Midwest National
Products fix-and-flip, bridge, new-construction fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge
Loan size range $75,000–$3,000,000 $75,000–$2,500,000
Max LTV 75% 80%
Max LTC 85% 92%
Terms 12 months 6-24 months (hard money) / 30-year (rental)
Typical close time 7-14 days typical 10-21 days typical
Rate range 9.5%–12% 7%–12%
Points 1.5–3 pts 1–3 pts

Where they actually differ

Lima One Capital adds BRRRR and rental and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.

Term structure differs too: Iron Bridge Lending runs 12 months; Lima One Capital runs 6-24 months (hard money) / 30-year (rental).

Leverage: Iron Bridge Lending tops out at 75% LTV / 85% LTC, against 80% / 92% at Lima One Capital. 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.

Iron Bridge Lending describes its footprint as "Western & Midwest"; Lima One Capital as "National." Neither figure is a state count, so confirm direct licensing before assuming either covers a specific property.

Questions

Does one of these two write a loan product the other doesn't?
Lima One Capital adds BRRRR and rental and multi-family. 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 Lima One Capital?
Iron Bridge Lending tops out at 75% LTV / 85% LTC, against 80% / 92% at Lima One Capital. 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 Lima One Capital?
Iron Bridge Lending quotes 9.5%–12%; Lima One Capital quotes 7%–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 Lima One Capital?
Iron Bridge Lending runs $75,000–$3,000,000; Lima One Capital runs $75,000–$2,500,000. That gap mostly matters at either end of the range.
Which closes faster, Iron Bridge Lending or Lima One Capital?
Iron Bridge Lending quotes a 7-14 days typical close; Lima One Capital quotes 10-21 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

Lima One Capital

A BRRRR or multi-family investor who wants the rehab-to-rental refinance and the long-term DSCR loan from a single lender, qualifying at a 1.00 DSCR across 46 states

Lender profile Requirements

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