Lima One Capital vs. New Silver
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | Lima One Capital Verified 17 Sep 2026 | New Silver Verified 17 Sep 2026 |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Greenville, SC | West Hartford, CT |
| Founded | 2010 | 2018 |
| Geographic focus | National | National |
| States licensed | 46 states | 39 states |
| Products | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge | fix-and-flip, BRRRR, rental, bridge |
| Loan size range | $75,000–$2,500,000 | $100,000–$3,000,000 |
| Max LTV | 80% | 85% |
| Max LTC | 92% | 90% |
| Min DSCR | 1.00 | 0.75 |
| Terms | 6-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical | 5-14 days typical |
| Rate range | 7%–12% | 9.5%–11.75% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
New Silver sets its DSCR floor at 0.75; Lima One Capital wants 1.00. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Lima One Capital also writes new-construction and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Loan sizing runs $75,000–$2,500,000 at Lima One Capital and $100,000–$3,000,000 at New Silver — a gap that mostly matters at either end of the range.
Lima One Capital quotes a 10-21 days typical close; New Silver quotes 5-14 days typical. On a competitive acquisition that gap can be the whole decision.
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
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