LendingOne vs. New Silver
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | LendingOne Verified 17 Sep 2026 | New Silver Verified 17 Sep 2026 |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Boca Raton, FL | West Hartford, CT |
| Founded | 2014 | 2018 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction | fix-and-flip, BRRRR, rental, bridge |
| Loan size range | $85,000–$2,000,000 | $100,000–$3,000,000 |
| Max LTV | 80% | 85% |
| Max LTC | 90% | 90% |
| Min credit score | 640 | 660 |
| Min DSCR | 0.75 | 0.75 |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical | 5-14 days typical |
| Rate range | 9%–12% | 9.5%–11.75% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
Credit floors differ: LendingOne starts at 640, New Silver at 660. That gap only matters to a borrower sitting between the two numbers.
LendingOne also writes new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.
Pricing: LendingOne quotes 9%–12% and 1–3 points; New Silver quotes 9.5%–11.75% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Loan sizing runs $85,000–$2,000,000 at LendingOne and $100,000–$3,000,000 at New Silver — a gap that mostly matters at either end of the range.
LendingOne
An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score
New Silver
A newer investor who wants fast, tech-driven underwriting and can qualify at a 0.75 DSCR and 660 credit score across New Silver's 39-state footprint