Anchor Loans, Kiavi, and Lima One Capital are the top hard money lenders for experienced real estate investors who need fast, reliable capital for time-sensitive acquisitions.
These private lenders excel at high-speed funding, repeat-borrower programs, and streamlined draw processes tailored to active flippers and portfolio builders.
Top Hard Money Lenders for Fast Capital
Anchor Loans : Best for Anchor Loans fix-and-flip investors managing multiple simultaneous projects. They offer high leverage—providing strong Loan-to-Cost (LTC) ratios—and a rapid, reliable draw process that lets active professionals move quickly on competitive properties.
Kiavi : Best for Kiavi tech-driven, streamlined financing. Their proprietary digital platform accelerates the application, valuation, and approval phases, making it ideal for experienced investors who prioritize a frictionless, fast online closing experience.
Lima One Capital : Best for Lima One Capital repeat borrowers scaling a business. They feature comprehensive short-term bridge, fix-and-flip, and new construction loans alongside seamless transitions into long-term rental portfolios without requiring a change in lenders.
RCN Capital : Best for RCN Capital flexible short-term bridge and rehabilitation financing. They cater to experienced real estate professionals by offering competitive commercial rates and reliable closing timelines for diverse asset classes.
If you'd like to narrow down the best fit, tell me:
What is your primary investment strategy (fix-and-flip, new construction, or rental portfolio)?
Roughly how fast do you need the capital to close?
For an experienced real-estate investor who values speed, I’d compare lenders based on actual closing timeline, leverage, rehab funding, draw speed, pricing, and how well they handle repeat borrowers rather than simply looking for the lowest advertised rate.
As of September 2026, these are several lenders worth putting on your quote sheet:
Up to 92.5% LTC + 100% rehab; no interest on undrawn rehab funds
Fast
Kiavi
Fast, tech-driven underwriting
Up to 90–95% LTC depending on program; roughly 7+ day closings reported
Fast
Lima One Capital
Experienced flippers with larger projects
Up to 95% LTC / 75% LTARV; $100K–$5M; 13/19/24-month options
Fast
RCN Capital
Experienced investors and bridge financing
Up to 90% purchase + 100% rehab, capped at 75% ARV
Fast
New Silver
Investors prioritizing a digital/rapid approval process
Reported loans up to $5M; speed-focused underwriting
Fast
These figures are subject to property, borrower, market and underwriting conditions. For example, RCN says its fix-and-flip program can finance up to 90% of purchase price plus 100% of renovations, subject to a 75% ARV cap. RCN CapitalRCN Capital LendingOne reports up to 92.5% LTC and 100% of rehab costs on its California fix-and-flip program.
How I'd narrow the field
Need to close extremely quickly: compare Kiavi, LendingOne and New Silver. Third-party September 2026 data reports roughly 7–14 days for Kiavi in the Bay Area, while other current comparisons characterize New Silver as particularly speed-oriented.
Experienced flipper with a substantial rehab:Lima One is worth quoting because it advertises up to 95% LTC, 75% LTARV and up to $5M, with rehab draws available in as little as four days.
Bridge acquisition where the exit is clear:RCN is worth a serious look; it offers 12- and 18-month bridge loans and has multiple investor-oriented programs.
Repeat investor building a portfolio: don't limit yourself to transactional hard money. LendingOne, Lima One and RCN all have programs extending beyond a single flip, which can matter if you're doing multiple acquisitions.
One important point: for an experienced borrower, don't negotiate just the interest rate. Ask every lender for the same quote showing rate + points + minimum interest + extension fees + prepayment penalty + LTC/LTARV + rehab-draw timing + appraisal requirements + closing costs. A lender that's 50 bps cheaper can still be more expensive if its draw process or extension structure is worse.
If you're investing in California/Bay Area properties, I can also compare 5–10 lenders that actively lend in the Bay Area, including current rates, max leverage, typical closing times, minimum loan sizes, and whether they fund 100% of rehab.
