Lender profile
Renovo Financial
hard money · Chicago, IL · founded 2011
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with Renovo Financial before relying on them.
Renovo Financial is a hard money lender founded in 2011 whose products include a 30-year rental exit alongside fix-and-flip, BRRRR, and multi-family financing. Loan sizes run $100,000 to $5,000,000 at up to 85% LTV / 90% LTC, with rates of 9.5%-12.5% and closings in 7-14 days. Renovo Financial is a hard money lender, founded in 2011, headquartered in Chicago, IL, describing its footprint as "National, Midwest concentration".
For a rental investor, the products on file are fix-and-flip, BRRRR, new-construction, bridge, rental, multi-family. On the deal itself, Renovo Financial publishes loan sizes from $100,000 to $5,000,000 and leverage up to 85% LTV / 90% LTC.
No SEC filing establishes a corporate-ownership relationship for Renovo Financial— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its figures on this page carry no verification date, so they are reported as published rather than independently checked — verify directly with Renovo Financial before relying on them.
Published facts
Loan size
$100,000 – $5,000,000
Max LTV
85%
Max LTC
90%
Rate range
9.5% – 12.5%
Points
1 – 3
Terms
6-24 months (hard money) / 30-year (rental)
Close time
7-14 days typical
Renovo Financial does not publish a state-coverage count. Its stated geographic focus is "National, Midwest concentration" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Renovo Financial 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.
No SEC registrant found; full-text hits (4Front Ventures, Kingfish Holding Corp, Renovo Holdings) are unrelated companies matched on the word 'Renovo'.
⬜ Published criteria not yet independently verified — the figures on this page are reported as published, not checked against a dated source.
⬜ Regulatory complaint check — not yet run.
What Renovo Financial 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 Renovo Financial about, not as a criticism. Of the 11 criteria categories this directory tracks, Renovo Financial has not published 5:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- 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
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- multi-family — loans written against buildings with multiple rental units under one loan, not just single-family houses
Strengths
- One lender across acquisition, rehab, and the 30-year rental exit
- Multi-family financing alongside single-family rental
- Up to 85% LTV / 90% LTC on the bridge-to-rental hold
- 7-14 day closings
Who this lender suits
A BRRRR investor who wants one lender to carry a deal from acquisition and rehab through to the 30-year rental refinance, including multi-family properties
Deal scenarios Renovo Financial clears
Renovo Financial does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record — and its figures carry no verification date, which alone keeps every scenario in the "has not published this" bucket rather than "clears it" . That is a statement about what Renovo Financial has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How Renovo Financial compares
Renovo Financial vs Civic Financial Services
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000) and LLC/entity vesting requirement.
Renovo Financial vs Iron Bridge Lending
Turns mainly on maximum loan size ($3,000,000 vs $5,000,000).
Renovo Financial vs Kiavi
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000).
Renovo Financial vs LendingOne
Turns mainly on maximum loan size ($2,000,000 vs $5,000,000).
Renovo Financial vs Lima One Capital
Turns mainly on maximum loan size ($2,500,000 vs $5,000,000).
Renovo Financial vs New Silver
Turns mainly on maximum loan size ($3,000,000 vs $5,000,000).
Renovo Financial vs RCN Capital
Turns mainly on maximum loan size ($3,500,000 vs $5,000,000) and LLC/entity vesting requirement.
Renovo Financial vs ROC Capital
Turns mainly on the published product lineup and terms.