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Lima One Capital Review: Pros, Cons, & How to Apply

Investing in real estate can be highly lucrative, but finding available capital is challenging. Business leaders like Lima One Capital specialize in helping savvy real estate investors acquire the necessary capital, whether you’re looking to flip homes or purchase a rental property.

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However, it might not be the right fit for every investor. Before working with Lima One, you should understand the available options, terms, rates, and limits.

In this comprehensive review, we’ll dive into the highs and lows of Lima One Capital’s services, giving you an inside look at what sets them apart. Specifically, we’ll answer these questions and more:

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    What is Lima One Capital?

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    Lima One Capital is a private hard money lender specializing in real estate investment loans. It caters to investors seeking financial support for their real estate ventures. Qualified borrowers can access substantial capital to pursue their investment goals, allowing individuals with ambitious projects to secure the necessary funds.

    One noteworthy aspect of Lima One Capital is its utilization of advanced technology for efficient reporting and controls. By leveraging cutting-edge systems, the company ensures that all processes are streamlined and transparent, providing clients with accurate and timely information about their investments. This commitment to technological innovation sets them apart in the industry, offering clients peace of mind regarding their assets.

    Lima One Capital prides itself on fostering strong client relationships through personalized service. The initial conversation with the company allows potential borrowers to discuss their needs directly over the phone, ensuring that they receive tailored solutions for their unique situations.

    Lima One Capital was founded in 2010 and has funded over $2 billion in residential real estate loans. The company is headquartered in Greenville, South Carolina. It markets itself as the nation’s premier lender for real estate investors.

    How does Lima One Capital work?

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    Residential real estate investors can choose from several investment property loans to find the one that meets their specific needs. Here are the available options.

    Fix and Flip Loans

    When the lender launched, its core offering was Flix and Flip loans. It offers a loan program to fix and sell homes or to fix and rent out a property.

    Fix n Flip Loan Details:

    • Amount: $75k – $3 million.
    • Terms: 13, 19, or 24 months.
    • Interest rates: Starting at 7.99%.
    • Up to 92.5% LTC, 75% LTV.

    These loans provide real estate investors with the necessary funds to purchase a property, make renovations, and then sell it for a profit. Lima One offers in-house construction management, interest-only loans, and non-recourse options. These loans are used for 1-4 unit residential properties.

    Rental Property Loans

    Lima One Capital offers several forms of rental property loans. These financing options are designed for real estate investors looking to purchase or refinance rental properties.

    Rental Property Details:

    • Amount: $75k – $3 million.
    • Terms: 13, 19, or 24 months for the construction; 5, 10, or 30 years for the rental.
    • Interest rates: Starting at 7.99%.
    • Single property and portfolio loan options.

    Borrowers can use these loans to finance the purchase of a new rental property (Build2Rent), renovate an existing property (Flip2Rent), or consolidate debt. Lima One Capital provides a streamlined application process and fast funding to help investors take advantage of real estate market opportunities.

    New Construction Loans

    Lima One Capital offers New Construction Loans for multifamily properties.

    New Construction Loan Details:

    • Loan Amount: $100k – $3 million.
    • Terms: 13, 19, or 24-month options.
    • Interest rates: Starting at 7.99%.
    • Up to 85% LTC, 70% LTV.

    These loans provide financing for constructing new multifamily properties, allowing investors and developers to secure the necessary funds to bring their projects to fruition. Once the construction is completed and the property is stabilized, borrowers can refinance into a permanent loan or sell the property to repay the construction loan. Borrowers can also apply for portfolio blanket loans.

    What are the qualifications for Lima One Capital?

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    To qualify for a loan with Lima One Capital, you must be an accredited investor and possess relevant industry experience. This ensures that the borrowers have a certain level of financial stability and understanding of the real estate investment business landscape. By requiring these qualifications, Lima One Capital aims to work with individuals who have a proven track record in real estate investing.

    The lender doesn’t list qualifications such as a minimum credit score, annual income, or time in business. However, a higher credit score typically translates to better approval odds and lower interest rates, as with most loans.

    For Lima One Capital, You Need to Know That:

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    Lima One Capital provides various loan programs tailored to meet the needs of real estate investors. These programs offer different terms, rates, and flexibility to suit multiple investment strategies. For example, they may offer fix-and-flip loans or rental property loans with competitive interest rates.

    Investors can benefit from these diverse options by choosing the program that aligns best with their specific investment goals and financial situation. Lima One Capital’s range of loan programs caters to different asset acquisition strategies, whether looking for short-term funding for a quick flip or long-term financing for rental properties.

    The company uses hard money loans, which are loans secured using real property as collateral. This means that, in most cases, the property you’re financing is the collateral for the loan.

    Moreover, Lima One Capital leverages advanced technology for streamlined reporting and robust controls. This ensures that investors can access essential loan and project information anytime. Utilizing cutting-edge systems enhances the overall experience for borrowers while providing greater visibility into their loan status and progress.

    The lender also offers a business loan affiliate program. Referral partners and business loan and mortgage brokers can sign up to offer their clients the lender’s loan programs.

    How to apply to Lima One Capital:

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    To apply to Lima One Capital, follow these simple steps.

    Step 1: Apply Online

    Visit the Lima One Capital website, navigate to the Apply Now section, and fill out an online application form. The form requires you to provide information about your personal and financial background and details about the property you are seeking financing for. Submit any necessary documentation, such as bank statements, tax returns, and property information.

    Step 2: Speak to a Representative

    Once you submit the application, a representative from Lima One Capital will review your information and may reach out to request additional documentation or to schedule a phone call to discuss your financing needs in more detail. Work with the loan officer to finalize your loan details and provide any additional information or documentation as needed.

    Step 3: Get Funded

    After the review process, you will receive a decision on your application. If approved, you can move forward with securing financing for your real estate investment.

    Lima One Capital Post Funding:

    Upon securing funding from Lima One Capital, investors can expect efficient escrow services that streamline the disbursement of funds and ensure smooth transactions. This helps expedite project timelines and maintain financial clarity throughout the investment journey.

    Lima One Capital prioritizes comprehensive reporting, giving investors transparent insights into their loan terms, payment schedules, and overall financial status. This level of reporting fosters trust and confidence between investors and lenders by keeping all parties well-informed at every stage.

    What are the advantages of Lima One Capital?

    Lima One Capital stands out for its diverse loan programs tailored to real estate investors’ needs. Whether it’s fix-and-flip projects, rental properties, or new construction, they offer specialized financing options.

    The company provides competitive interest rates, making it an attractive choice for borrowers seeking funding. This affordability allows investors to maximize their profits without being burdened by exorbitant interest expenses. Moreover, Lima One Capital offers flexible funding options that cater to various investment strategies and financial situations.

    One of the critical strengths of Lima One Capital is its emphasis on customer satisfaction. The company prioritizes customer feedback as a driving force behind its business decisions and service improvements. By actively listening to clients’ experiences and suggestions, they ensure that their services align with the needs and expectations of their customers.

    Moreover, Lima One Capital leverages advanced technology to streamline processes and enhance overall efficiency in serving its clients. Through efficient communication channels and digital platforms, they make it easier for customers to access information about loan details, application status updates, and other pertinent information.

    What are the disadvantages of Lima One Capital?

    Lima One Capital is known for its slow funding process, which can be frustrating for real estate investors who need quick access to funds. This delay in funding can lead to missed opportunities and hinder the growth of investment portfolios.

    Investors often prioritize speed. Lima One Capital’s slow funding process could potentially deter investors from utilizing its services, especially if they have time-sensitive investment opportunities. For example, if an investor finds a lucrative property but experiences delays in securing financing from Lima One Capital, they may lose out on the deal.

    Another drawback of Lima One Capital is the limited loan programs available. Real estate investors require flexibility, and with limited loan programs, investors may feel constrained and unable to find suitable financing solutions through Lima One Capital.

    For instance, some investors might prefer fixed-rate loans, while others may seek adjustable-rate mortgages based on market conditions. However, these preferences may not be accommodated with limited options available at Lima One Capital.

    It’s important to note that there is also mixed customer feedback on Google reviews about this lender’s services. Some customers have reported issues with communication, transparency, or overall experience with the company.

    Lima One Capital Pros & Cons

    pros, and, cons


    • Efficient loan application process.
    • Competitive interest rates.
    • Specializes in real estate investment loans.


    • Limited availability in certain states.
    • Slow funding times.
    • May not be suitable for first-time investors.

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    Lima One Capital Frequently Asked Questions

    Is Lima One Capital legit?

    Lima One Capital is a reputable company that provides loan programs for real estate investors. They cater to accredited investors and offer funding up to the maximum loan amount. This means that individuals who meet specific financial criteria can access their services.

    How long does Lima One Capital loan approval take?

    The approval process at Lima One Capital is efficient, typically taking 7-10 business days. They prioritize quick decision-making to ensure that borrowers can seize investment opportunities promptly.

    Can I apply to Lima One Capital with a low credit score?

    Yes, Lima One Capital considers applications from individuals with varying credit profiles. While they assess multiple factors during the underwriting process, having a lower credit score doesn’t automatically disqualify you from obtaining funding.

    What do Lima One Capital reviews typically focus on?

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    Lima One Capital has minimal online reviews available compared to other business lenders. Of the available reviews, there is a mix of customer reactions, with some praising the company and others making serious complaints.

    Positive reviews for Lima One Capital often focus on the company’s efficient and streamlined loan process, competitive interest rates, and excellent customer service. Customers frequently praise the responsiveness and professionalism of the team, as well as the flexibility and variety of loan products offered.

    Many reviewers also highlight the quick approval and funding process, making Lima One Capital a top choice for real estate investors and developers. Positive reviews emphasize the company’s reliability, transparency, and commitment to meeting its clients’ needs.

    Negative reviews for Lima One Capital typically focus on issues such as high interest rates, hidden fees, slow approval processes, and poor customer service. Customers have expressed frustration with unexpected costs, delays in receiving funds, and difficulties in communicating with the company. Some reviewers have also mentioned dissatisfaction with the overall loan experience and lack of transparency in the lending process.

    What if Lima One Capital denies my loan request?

    There are several reasons why they might deny a loan request. These issues could be related to credit, income, or the property’s condition. For instance, if your credit score is low, you don’t meet their minimum income requirements, or there are problems with the property’s title or appraisal, your loan request may be denied.

    Lima One Capital also considers factors such as outstanding issues like foreclosure, closed permits, or escrow payments. If any of these problems exist with the property in question, it could lead to denial of your loan application. Moreover, unresolved financial matters can also contribute to a rejection from Lima One Capital.

    Fortunately, if Lima One Capital doesn’t work for you, there are many lenders to consider. Several lenders offer real estate loans, whether you’re looking for real estate investments or to finance a commercial real estate mortgage.

    You might also be interested in one of the following small business loans:

    Making Your Decision

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    Lima One Capital is a solid option for real estate investors looking for financing. Its straightforward application process and competitive rates make it worth considering for your next investment property.

    However, you should consider the pros and cons we’ve discussed to make an informed decision that aligns with your investment goals. It might not be the right hard money lender for every real estate investor. In particular, the limited information on its website and poor customer reviews are concerns.

    We rate Lima One Capital at 3.25 out of 5 based on the available information. It has solid real estate loan options, but the lack of other funding programs is a limitation.

    Disclaimer: The Lima One Capital trademark is owned by Lima One Capital LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Lima One Capital LLC.

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