Overview
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products.
LendingOne is based in Boca Raton, FL and was founded in 2014. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, new-construction financing. Their loan amount range runs from $75K to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Geographic coverage | National |
| Loan size | $75K – $5.0M |
| Interest rate range | 9% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
Strengths
- established track record
- broad product suite
- national investor focus
Ideal borrower
Mid-to-experienced investor with stabilized portfolio
How LendingOne compares for Chicago investors
For Chicago metro investors specifically, LendingOne operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As an institutional non-QM lender, their underwriting is templated and predictable — fast for experienced borrowers, less flexible for non-standard deals.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
LendingOne FAQ
Yes — LendingOne operates nationally and regularly funds Chicago-area deals
LendingOne's indicative rate range is 9%–12% with 1–3 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
LendingOne's typical minimum loan is $75K, with maximum loan size up to $5.0M.
LendingOne's typical close timeline is 14-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
LendingOne offers fix-and-flip, BRRRR, rental, bridge, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Mid-to-experienced investor with stabilized portfolio
This review is an independent directory listing. Hard Money Chicago is not affiliated with LendingOne. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.