Lima One Capital was founded in 2010 with the mission to revolutionize the hard money industry.  We continue to grow and expand into the top markets in the country, currently providing hard money loans for real estate investors in 41 states and Washington, D.C.  Our commitment to our borrowers and core company standards have allowed us to become one of the top rental finance and hard money lenders in the country.

Straightforward Rates and Terms

Part of how we are revolutionizing the hard money industry is our commitment to providing the best customer service in the hard money industry.  We will never charge any hidden costs or junk fees and we close and fund our loans quickly to allow the investors to maximize their return on investment.  We are fully capitalized and our rates and terms are the most straightforward in the hard money industry.

Programs Designed for Investors

Our programs were designed to fit the needs of real estate investors and we want to help investors become as successful as possible as they pursue their investing goals.  Our Fix-N-Flip, Rental, and Multifamily loan programs are available throughout our entire lending area, including New Hampshire.  The Fix-N-Flip program is designed for the purchase and rehab of a single-family residential investment property.  The Fix-N-Flip offers rates as low as 7.99% and also provides 90% loan to cost, which allows the investor to do more deals with greater leverage. We also offer Construction and Cash-Out programs which are available throughout our entire lending area.   The Rental30 offers rates as low as 4.99% for the purchase or refinance of single properties and portfolios.  The Rental 2+1 is designed to bridge the gap between short and long-term financing.  Our Multifamily program offers investors competitive rates and terms for the purchase or refinance of properties that are 5+ units.


Designed for investors looking to buy a property, renovate it, and resell it, all within a 13-month period.

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For investors seeking to build a rental property portfolio or own a single rental property to serve as a source of monthly cash-flowing income.

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A program created for those who want to purchase or refinance a multifamily property — comprised of 5 or more units — in need of value-add rehab or already stabilized.

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Ready to Get Started?

If you have a property that you’re looking to finance and you’re ready to get started, simply complete our easy, two-minute application.  Our team of underwriters will work to underwrite, close, and fund your loan and they are extremely knowledgeable about our loan programs.  If you have any questions about Lima One Capital feel free to contact us, we’d be happy to answer your questions.

See How It’s Worked For Others

Click a property below for more information. For a full list of case studies click here.

Lima One Capital, LLC. NMLS ID # 1324403, 201 E. McBee Ave. Suite 300. Greenville, SC 29601. Lima One Capital, LLC is not currently licensed in AK, ID, ME, MT, ND, NV, SD, UT or VT. Lima One Capital, LLC is licensed or exempt from licensing in all other states. Minnesota: This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. §47.206(3). Lima One Capital, LLC is licensed in Arizona as a Mortgage Broker (License No. MB-0936439) and Mortgage Banker (License No. 949706). Lima One Capital, LLC is licensed as a California Finance Lender under Department of Business Oversight (License No. 60DBO-45834). Lima One Capital, LLC is licensed in Florida as a Mortgage Lender (License No. MLD1555) and Mortgage Servicer (License No. MLD1662). Lima One Capital, LLC is licensed in Oregon as a Mortgage Lender (License No. ML-5397). Annual percentage rate may be increased after fixed-rate period expires. Loans are subject to additional underwriting criteria.