The Lima One Advantage

Real Estate Lending Custom-Built For Your Strategy

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Lima One Was Created for Scaling Investors

At Lima One capital we value the power of relationships. That is why we've built our products and business model around helping thousands of real estate investors get to the next level. We've been at it for over a decade and continue to offer diverse products to diverse customer-types across a diverse geographic footprint. Fix and flips, rentals, and new construction — whatever your investment strategy, we get it. And more importantly, we've got the programs and people to help you make it happen.

26k+

closed Loans Since 2010

$10B+

Loans Funded Across 46 States

MFA Financial, Inc. logo

Financial Strength. Consistent Capital. Peace of Mind.

We are proud to have MFA Financial as a parent company.

With more than 25 years of proven success in real estate investments, MFA Financial provides a reliable source of capital that allows us to carry out our mission of financing our client's projects and helping them scale their businesses.

The Power of Private Lending

By focusing entirely on business-purpose loans, private lending combines the reliability of banking with the speed and leverage of hard money to provide solutions for growth-minded real estate investors.

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Hard Money

  • High Leverage
  • No-Doc Requirements
  • Speed to Close
  • High Interest
  • Volatile Funding Sources
  • Reliability of Funding
Lima One Requirements illustration

Private Lender

  • High Leverage
  • Reliable Capital
  • Speed to Close
  • Lower Rates
  • In-House Processes
  • Low-Doc Requirements
Bank Requirements illustration

Regional Banks

  • Low Leverage
  • Slow Process
  • Strict Underwriting
  • More Document Reqs
  • Active Loan Limits
  • Lower Rates

Loan Strategy

Practical Underwriting

The Problem icon

The Problem

Banks are known for their strict underwriting, and that’s understandable. But sometimes their qualification guidelines can limit the freedom you have to pursue profitable deals and grow your business. That’s where private lenders like Lima One come in.

The Solution icon

The Solution

Real estate investing often requires an outside-the-box mentality. That is why we take a common sense approach to underwriting. Each project is considered based on the merits of your investment strategy, and we base our borrower approvals on credit, liquidity, and experience. That means we have the flexibility to customize loans that are built for profitable investments.

Have Confidence in Your Capital and the Means To Scale

We understand that you have aspirations and goals to grow your business by tackling multiple deals at a time. Our borrower underwriting gives you visibility into your borrowing capacity, enabling you to plan ahead and build the runway you need you to move quickly when opportunity knocks.

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Lima One Maximum Exposure Provides:

Speed

Time is money, and we know how important it is to move quickly when your business revolves around real estate investing. We're one of the industry's fastest lenders when it comes to closing times, and we continuously work to improve speed-to-close for our borrowers.

Ease

We know how much you are juggling on a day-to-day basis. That is why we always have a single point of contact quarterbacking your loan from submission to closing. Once you are approved, we streamline the process for each deal within your borrowing capacity so that you don't have to worry about things like duplicate paperwork and additional hard pulls of your credit.

Execution

In this business, your name and reputation are important. That's why we strive to execute with excellence and show up when we say we will. As a vertically integrated company, we handle every step of your loan in-house, so you can count on us to take you from start to finish with streamlined precision.

Certainty

When you combine our credibility in the industry and the financial power of a publicly traded company, you get a real estate financing partner built to give you the reliability you need to scale in any market and economic cycle.

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A Solution for Every Strategy
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A Solution for Every Strategy

Customer Experience

Industry Expertise. Unmatched Service. In-House. We Handle It All — From First Call to Final Payoff.

When you build a team of passionate investors and proven financial experts, it doesn’t make sense to outsource your business to third parties. Lima One provides a complete, vertically integrated lending process. From initial application to final payment, the services we provide are completed by Lima One trained professionals who care about closing your loan. So wherever you are in your loan process, we know what’s happening, and we’re just a click, text, or phone call away.

Customer Experience

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White Glove Experience
White Glove Experience
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White Glove Experience
White Glove Experience

From our sales consultants to our processors and servicing analysts, all Lima One employees are trained to understand the details of your business plan and tailor each loan to the specifics of your property and exit strategy.

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In-House Construction Management
In-House Construction Management
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In-House Construction Management
In-House Construction Management

Our team of internal construction analysts reviews rehab budgets to mitigate risk for our borrowers. They also manage our draw process, ensuring project funds are deposited in your bank account within four days.

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In-House Servicing
In-House Servicing
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In-House Servicing
In-House Servicing

After your loan closes, you will be assigned a Lima One servicing analyst who will assist with your payments for the life of the loan. By servicing your loan, we maintain our partnership, ensure your project goes smoothly, set your business up for success. Since we manage everything in-house, we understand the full context of the loan, property, and business, which allows us to provide you with practical, relevant service through the entire lifecycle of the loan.

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Self Service Portal (Coming Soon)
Self-Service Portal
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Self Service Portal (Coming Soon)
Self-Service Portal

Speed, transparency, and communication are the cornerstones of a positive lending experience. We make submission to closing as streamlined an transparent as possible through our industry-leading automation and point of sale portal that lets you keep up with your loan process from application to final payment. Adding even more value, it also gives you access to gated content, special promotions, loyalty programs, and professional partnerships.

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Still Have Questions?
Need More Details? Ready To Go?

Whatever you need, we’re here to help. Reach out today.

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