Lender profile
LendingOne
hard money · Boca Raton, FL · founded 2014
Verified Sep 17, 2026
LendingOne runs a 30-year DSCR rental program alongside its hard money products, with a 0.75 minimum DSCR and a 640 minimum credit score. Loan sizes range from $85,000 to $2,000,000 at up to 80% LTV / 90% LTC, with closings in 14-21 days. LendingOne is a hard money lender, founded in 2014, headquartered in Boca Raton, FL, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, bridge, new-construction. On the deal itself, LendingOne publishes loan sizes from $85,000 to $2,000,000 and leverage up to 80% LTV / 90% LTC.
No SEC filing establishes a corporate-ownership relationship for LendingOne— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$85,000 – $2,000,000
Max LTV
80%
Max LTC
90%
Min credit score
640
Min DSCR
0.75
Rate range
9% – 12%
Points
1 – 3
Terms
12-24 months (hard money) / 30-year (rental)
Close time
14-21 days typical
LendingOne does not publish a state-coverage count. Its stated geographic focus is "National" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — LendingOne is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Full-text hits (Hubilu Venture Corp, Solitron Devices, Chimera Investment, Blackstone Mortgage Trust) are unrelated filers; no filing names LendingOne as a subsidiary, acquisition, or registrant.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What LendingOne has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask LendingOne about, not as a criticism. Of the 11 criteria categories this directory tracks, LendingOne has not published 3:
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
Strengths
- 0.75 minimum DSCR — qualifies lower cash-flow rentals
- 640 minimum credit score
- Loan sizes to $2,000,000
- 30-year rental exit alongside hard money financing
Who this lender suits
An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score
Deal scenarios LendingOne clears
LendingOne's published criteria clear 10 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Cash flow and DSCR (1)
Purpose and structure (4)
Rehab and construction (2)
Leverage and pricing (2)
How LendingOne compares
LendingOne vs Civic Financial Services
Turns mainly on DSCR floor (1.05 vs 0.75) and credit floor (660 vs 640).
LendingOne vs Iron Bridge Lending
Turns mainly on maximum loan size ($3,000,000 vs $2,000,000).
LendingOne vs Kiavi
Turns mainly on DSCR floor (0.80 vs 0.75) and credit floor (660 vs 640).
LendingOne vs Lima One Capital
Turns mainly on DSCR floor (0.75 vs 1.00) and maximum loan size ($2,000,000 vs $2,500,000).
LendingOne vs New Silver
Turns mainly on credit floor (640 vs 660) and maximum loan size ($2,000,000 vs $3,000,000).
LendingOne vs RCN Capital
Turns mainly on DSCR floor (0.75 vs 1.00) and credit floor (640 vs 660).
LendingOne vs Renovo Financial
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000).
LendingOne vs ROC Capital
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000).