Private hard money lender for Boise fixer-uppers

Jul 7 – Oct 17, 2026Updated Oct 17, 2026Reviewed by

How we measure

Which brands AI mentions

#BrandMentioned in
#1Northwest Private Lending95%
#2tiedPayette Financial51%
#2tiedKiavi44%
#2tiedLima One Capital42%
#2tiedHopkins Financial40%

Mentioned in

ChatGPTChatGPTGoogle AI ModeGoogle AI Mode

Widest split: Lima One Capital, 73% on ChatGPT and 10% on Google AI Mode.

Questions and answers

  • ChatGPTOct 8, 2026

    1. 1Alpha Lending LLC
    2. 2Northwest Private Lending
    3. 3Holbrook Capital
    4. 4Lima One Capital
    5. 5Payette Financial
    6. 6CoreVest Finance

    If by “private loan” you mean hard money for a fixer-upper/fix-and-flip in Boise, I’d shortlist these lenders rather than picking solely by advertised rate.

    My top picks

    1. Alpha Lending LLC — best local relationship lender

      • Boise-based and focused on Idaho real-estate investors.
      • Reports $184M+ funded since 2004 and in-house underwriting.
      • Particularly worth calling if your project is unusual or you want a local lender who can structure the deal.

    2. Northwest Private Lending — best for speed/local Boise expertise

      • Meridian office serving the Treasure Valley.
      • Advertises same-day approvals and fix-and-flip closings in about 5 days.
      • Strong choice if you're competing for a property and certainty of closing matters.

    3. Holbrook Capital — best Idaho-focused hard-money option

      • Specifically focuses on Idaho investors and fix-and-flip projects, including Boise.
      • Its site shows recent Idaho fix-and-flip transactions, including a Greenleaf project completed in September 2026.

    4. CoreVest — best for a larger/more established national lender

      • Offers Idaho fix-and-flip/rehab financing and says it has closed $3B+ in loans.
      • Better fit if you're looking for larger financing or eventually want rental/portfolio financing.

    5. Lima One Capital — strong all-around alternative

      • Current Boise comparisons show advertised rates starting around 9%, with up to 90% LTV on qualifying deals.

    One interesting local option

    Payette Financial Services is a Boise-based private/hard-money lender focused on asset-based financing for investment and commercial real estate. It's worth getting a quote from alongside the dedicated fix-and-flip lenders.

    If this were my deal, I'd get competing term sheets from Alpha Lending, Northwest Private Lending, and Holbrook first, then use Lima One/CoreVest as national benchmarks.

    Don't compare just the interest rate. Ask each lender for:

    • Purchase LTV and ARV/LTC
    • Rehab budget financed and draw schedule
    • Interest rate and points
    • Minimum interest/exit fees
    • Extension fees
    • Prepayment penalty
    • Closing/appraisal fees
    • Personal guarantee requirements
    • Whether they fund based on ARV
    • Expected closing time

    A lender advertising 9% can easily be more expensive than a 10% lender if the points, draw fees, minimum interest, or extension terms are worse.

    If you give me the purchase price, estimated rehab, after-repair value (ARV), and your experience level, I can compare the Boise lenders and tell you which one is likely to give you the best structure—and roughly how much cash you'd need to bring to closing.

    Sources cited in this answer5

    Google AI ModeSep 25, 2026

    1. 1Builders Capital
    2. 2Northwest Private Lending
    3. 3Easy Street Capital
    4. 4Kiavi
    5. 5Roc Capital

    Finding the "best" hard money lender in Boise depends heavily on your specific project—whether you are prioritizing speed, high leverage, local regional expertise, or a specific fix-and-flip loan structure.

    Top hard money and private lenders active in the Boise and greater Idaho market include:

    • Builders Capital: Highly active and a top originator by volume across Idaho. They specialize heavily in residential construction, fix-and-flips, and developer financing, making them a major player if you are doing a heavy rehab or ground-up build.
    • Northwest Private Lending: A regional private lender with a dedicated physical footprint serving the Boise market. They specialize in fast, collateral-based fix-and-flip, bridge, and rehab-to-perm/refinance loans, offering localized underwriting and same-day pre-approval letters. You can review their regional guidelines directly via Northwest Private Lending Boise.
    • Easy Street Capital: A prominent statewide lender offering competitive fix-and-flip programs (such as their EasyFix program featuring rapid 48-hour closings and streamlined structures). They offer high leverage options depending on your experience level. You can check their criteria on Easy Street Capital Idaho Hard Money Loans.
    • National/Volume Lenders (Kiavi, Visio, ROC Capital): If you have a straightforward, data-driven fix-and-flip and want automated, quick-turnaround institutional financing, national online private lenders active in Ada County are also worth cross-shopping for rates.

    To help narrow down which lender is the absolute best fit for your specific property, tell me:

    • What is the purchase price and estimated rehab budget?
    • What is your experience level (number of previous flips)?
    • Are you planning to flip and sell or rehab and rent (BRRRR)?

    Sources cited in this answer4

  • ChatGPTOct 17, 2026

    1. 1Northwest Private Lending
    2. 2Lima One Capital
    3. 3FixNFlip
    4. 4Bluebird Lending
    5. 5Kiavi
    6. 6RCN Capital
    7. 7Payette Financial

    For a fix-and-flip in Boise, I'd start by comparing local Idaho private lenders with established national hard-money lenders that fund Idaho projects. The right lender isn't necessarily the one with the lowest advertised rate: you want enough money for both the acquisition and renovation, reliable rehab draws, and a payoff deadline that fits your resale timeline.

    A recent Boise lender comparison updated October 13, 2026, lists starting rates around 9%–10.5% among several active options, though your actual rate will depend on the property, experience, leverage, and deal structure. Treat advertised figures as starting points, not firm quotes.

    My shortlist of hard-money lenders for a Boise flip

    • Northwest Private Lending Inc | BBB Business Profile | Better Business Bureau

    1. Northwest Private Lending

    (Best local starting point)

    Meridian office · (208) 258-7570

    A strong first call for Boise-area investors who value local support and transparent pricing. It advertises fix-and-flip, rehab and bridge loans, with business-purpose closings in as few as 3–5 business days. Published pricing includes 3 points and 1% monthly interest.

    Official website and loan application

    • LIMA ONE CAPITAL (@LimaOneCapital) on X

    2. Lima One Capital

    National lender · Idaho lending program

    My pick for comparing financing leverage and renovation funding. Its FixNFlip program advertises up to 95% of total project cost, up to 100% of the renovation budget, and 13-, 19- or 24-month terms. Maximum leverage is subject to the program's other limits and approval.

    Official Idaho lending page

    • Discover hard lender in Portage, PA of 2025

    3. Bluebird Lending

    Fix-and-flip specialist

    Worth comparing if you need acquisition money plus renovation capital. Its published program lists $50,000–$3 million loans, up to 90% of purchase price, up to 100% of renovation costs, and up to 75% of after-repair value (ARV). Confirm Idaho eligibility and current terms directly.

    Official fix-and-flip program

    • Kiavi Logo & Brand Assets (SVG, PNG and vector) - Brandfetch

    4. Kiavi

    Best for an online-first borrowing process

    A national investor lender with fix-and-flip and bridge products. Its digital process and quick prequalification make it worth including in a quote comparison, especially if you plan to do multiple flips.

    Official website

    • Legal League Servicers Summit - The Five Star

    5. RCN Capital

    Good for comparing rehab financing

    RCN offers short-term financing for non-owner-occupied properties. Its ARV program can cover up to 100% of purchase price and renovation costs, subject to a 75% ARV ceiling and other underwriting criteria.

    Official loan programs

    6. Payette Financial Services

    Boise-based private money option

    Particularly worth contacting for asset-based financing on investment or commercial property, including situations that don't fit conventional bank underwriting. Ask whether your specific single-family flip qualifies and whether renovation draws are available.

    Website

    How I'd compare their offers

    Don't compare interest rates alone. Request written quotes from at least three lenders and compare the same deal across each offer.

    What to compareWhat to ask
    Interest rateFixed or variable? Charged on the full commitment or only funds drawn?
    OriginationHow many points, and what other underwriting or processing fees apply?
    Purchase financingWhat percentage of purchase price will you fund?
    Rehab fundingWill you cover the full approved budget? How quickly are draws released?
    Total leverageWhat are the maximum loan-to-cost (LTC) and loan-to-ARV limits?
    Term and exitIs 6–12 months enough? What are extension fees and payoff penalties?
    Cash requiredHow much cash must I bring to closing and retain as reserves?

    My recommendation: Start with Northwest Private Lending for a local conversation, then get competing quotes from Lima One and Kiavi or RCN. If speed is critical, ask each lender for its actual closing timeline after receiving your purchase contract, appraisal or valuation, title work, and renovation budget.

    Let me narrow this down to the best fit for your deal

    A few details will help me rank the lenders for your situation. Estimates are fine.

    1. What's the purchase price?

    Under $300,000

    $300,000–$500,000

    $500,000–$750,000

    Over $750,000

    2. What's your renovation budget?

    Under $25,000

    $25,000–$75,000

    $75,000–$150,000

    Over $150,000

    3. How many flips have you completed?

    This is my first

    1–3 completed flips

    4 or more

    4. When do you need to close?

    Within 7 days

    Within 1–2 weeks

    Three or more weeks

    5. What's most important?

    Lowest total borrowing cost

    Minimum cash out of pocket

    Fastest possible closing

    Flexible underwriting or credit requirements

    [Rank lenders for my deal]

    One important note: hard-money financing can be expensive, and your property is collateral. Before signing, verify the lender's licensing where applicable, the full fee schedule, the draw process, and what happens if the flip takes longer than expected.

    Sources cited in this answer17

    Google AI ModeOct 17, 2026

    1. 1Northwest Private Lending
    2. 2Easy Street Capital
    3. 3Payette Financial
    4. 4Kiavi

    Northwest Private Lending, Easy Street Capital, Payette Financial, and Kiavi are among the top hard money and private real estate lenders operating in Boise and across Idaho.

    Top Hard Money Lenders in Boise & Idaho

    LenderLoan Amounts & FocusKey Features
    Northwest Private Lending$50K – $2M (Fix-and-flip, bridge, construction)Local Boise/Pacific Northwest presence, ~1% monthly interest, 3-5 day business closing, no appraisal needed.
    Easy Street CapitalFix & Flip (up to 93% LTC / 75% LTV), Bridge, ConstructionStatewide lending including Boise, fast 48-hour closings, good for both new and experienced investors.
    Payette FinancialCommercial, land, and fast Western U.S. fundingRegional asset-based private lender specializing in quick execution for regional real estate projects.
    KiaviShort-term Fix-and-Flip (7.45%+ APR)Streamlined digital platform, up to 95% of purchase price / 100% rehab costs, ~7-day cash-to-close.

    What to Consider When Choosing an Idaho Hard Money Lender

    • Local vs. National Reach: Regional shops like Northwest Private Lending or Payette Financial understand the specific Boise and Ada County neighborhood comps, zoning nuances, and contractor availability better than a purely algorithmic national platform.
    • Speed to Close: In competitive Boise pockets, deals move fast. Look for lenders that offer 3-to-7 day turnarounds like Easy Street Capital or Kiavi.
    • Draw Schedules for Rehab: For fix-and-flips, verify how fast the lender disburses rehab funds (draws) once work is inspected, as cash flow stalls can kill a project timeline.
    • Origination & Holding Costs: Expect origination fees typically ranging from 2% to 3% (or flat minimum points) plus monthly interest-only payments.

    To help narrow down the best fit, tell me:

    • What is the purchase price and estimated rehab budget?
    • Are you paying cash for part of it or looking for maximum leverage?
    • Do you have prior fix-and-flip experience?

    Sources cited in this answer4

Also asked as

  • I'm looking for private financing for a renovation project in Boise. Can you recommend any hard money lenders that operate in Idaho?