LendingOne vs. ROC Capital
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 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Boca Raton, FL | New York, NY |
| Founded | 2014 | 2014 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $85,000–$2,000,000 | $75,000–$5,000,000 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical | 10-21 days typical |
| Rate range | 9%–12% | 9.5%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
LendingOne quotes a 14-21 days typical close; ROC Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.
Both cap leverage at 80% LTV / 90% LTC, so leverage isn't the variable here either.
Pricing: LendingOne quotes 9%–12% and 1–3 points; ROC Capital quotes 9.5%–12% 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 $75,000–$5,000,000 at ROC Capital — 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
ROC Capital
An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold