Lima One Capital vs New Silver
New Silver wins on speed — instant term sheets and 5-day closings — and accepts a slightly lower 650 credit floor. Lima One has the broader product range (ground-up construction, multifamily, foreign national) and a longer track record (2010 vs 2018). Choose New Silver for fast flips; Lima One for construction, multifamily, or a more established lender.
Shared products: Fix & Flip, Bridge, DSCR · Updated March 2026
4.3
Lima One Capital
Wins 5 categories
4.0
New Silver
Wins 1 categories
Full Comparison
| Feature | Lima One Capital | New Silver |
|---|---|---|
| Interest Rates | 7%–12.5%Better | 7.5%–13% |
| Max LTV | 80% | 80% |
| Min Credit Score | 660 | 650Better |
| Loan Range | $75K–$5M | $100K–$5M |
| Origination Fee | 1.5–3 points | 1.5–2.5 points |
| Speed to Close | 14–21 days | 5–10 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | None (flip) / 3-year (DSCR) |
| Foreign National | YesBetter | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Multifamily (5+), Mixed Use, Condo, Townhouse, New ConstructionBetter | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 5 productsBetter | 4 products |
| Founded | 2010 | 2018 |
| Editor Rating | 4.3 / 5.0Better | 4.0 / 5.0 |
Pros & Cons
Lima One Capital
Pros
- +Broadest product range — flips, DSCR, construction, and multifamily
- +Works with first-time investors
- +Ground-up construction financing available
- +Foreign national programs
- +Multifamily up to 5+ units
Cons
- –Slightly higher rates than Kiavi for experienced borrowers
- –Origination fees on the higher end (1.5–3 points)
- –Draw process for construction can be slow
New Silver
Pros
- +Instant term sheets — know your terms immediately
- +Fastest closings in the industry (5 days possible)
- +Same-day pre-approval
- +Modern tech platform with easy draw requests
- +Competitive rates for hard money
Cons
- –Higher minimum loan ($100K)
- –Newer company — less track record than established players
- –Limited to 1-4 unit residential for some products
Frequently Asked Questions
Is Lima One Capital or New Silver better for real estate investors?
New Silver wins on speed — instant term sheets and 5-day closings — and accepts a slightly lower 650 credit floor. Lima One has the broader product range (ground-up construction, multifamily, foreign national) and a longer track record (2010 vs 2018). Choose New Silver for fast flips; Lima One for construction, multifamily, or a more established lender.
What loan types do Lima One Capital and New Silver both offer?
Both lenders offer Fix & Flip, Bridge, DSCR. Lima One Capital offers 5 total products vs New Silver's 4.
Which has lower rates, Lima One Capital or New Silver?
Lima One Capital advertises rates starting at 7% while New Silver starts at 7.5%. Lima One Capital has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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