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LendingOne Review: The No-Fluff Take from a Deal-Closing Pro

If you’re eyeballing LendingOne for your next commercial or fix-and-flip loan, you want the truth — straight up. In this LendingOne review, I’m breaking down what these guys do well, where they miss the mark, and who truly benefits from their capital. I’ve closed deals with LendingOne, shuffled through deals that didn’t make sense for them, and hold a Rolodex of 100+ other private and commercial lenders. Let’s cut the fluff and get to the real story.

Is LendingOne the Real Deal? Here’s What I Know

First things first, is LendingOne legit? Absolutely. They’re a solid player in the private lending world, specializing in real estate investor loans. LendingOne aggressively serves fix-and-flip operators, delivering fast capital with decent terms compared to big banks. Their underwriting process is streamlined for speed — they want you funded yesterday.

But just because they’re legit doesn’t mean they’re right for every deal or borrower. Their niche is pretty clear: short-term rehab loans for experienced investors who can close quickly and pay attention to costs. I’ve seen plenty of success stories with LendingOne, but I’ve also seen where their model intentionally excludes some borrowers and deal types.

The Good: What LendingOne Actually Does Right

Here’s where LendingOne shines:

  • Speed & Efficiency: Funding turnaround is often 7–14 days, which is great in a fast-moving market.
  • Straightforward Fix & Flip Loans: LendingOne specializes in rehab loans with loan-to-value (LTV) around 70% max, focusing on seasoned flippers.
  • Competitive Rates for What You Get: Their interest rates and fees aren’t dirt cheap, but reasonable compared to other private lenders who ask for hefty premiums.
  • Clear Underwriting: They don’t beat around the bush with complicated hoops; they want to see solid project plans and credible experience.
  • Good Customer Service: From personal experience, their loan officers are responsive and honest, which is rare in private lending.

If you’re primarily a fix-and-flip investor with solid experience and a clear exit strategy, LendingOne can be a great partner.

The Bad: Where LendingOne Falls Short

Honesty time — LendingOne isn’t without its limitations, and knowing them upfront can save you a lot of headaches:

  • Tough On Ground-Up or Complex Commercial: If you’re eyeing ground-up construction or larger multi-family deals, LendingOne generally isn’t the go-to. Their focus is rehab, not complex commercial projects.
  • Strict Borrower Requirements: They want established investors with successful flip histories. Newbie flippers or those with shaky credit profiles might get shut out.
  • Loan Amount Caps: LendingOne usually caps loans under $2 million — so if you’re chasing bigger commercial projects you’ll need alternatives.
  • Not The Cheapest Option: While fair, their rates and points aren’t always best in class, especially versus newer niche lenders willing to gamble more.
  • Limited DSCR or Rental Property Loans: LendingOne’s strength isn’t in debt-service coverage ratio loans or long-term rental financing, so landlords seeking those should look elsewhere.

If you aren’t in LendingOne’s sweet spot, trying to force a deal can stall or outright kill your funding timeline.

What Kinds of Deals LendingOne Is Best For

LendingOne carves out its lane with the following:

  • Fix & Flip Loans: This is LendingOne’s bread and butter — rehab projects that need interim capital to renovate and refinance or sell quickly.
  • Short-Term Bridge Loans: If you need a quick bridge for months, LendingOne’s speed and terms work in your favor.
  • Experienced Investor Profiles: Established flippers with 3+ projects closed in the last 2 years.

Where LendingOne pulls back:

  • Ground-up construction or heavy commercial rehab
  • DSCR rental financing
  • Loans over $2 million
  • Borrowers with weak credit or little experience

Real Talk: What I Do When LendingOne Isn’t the Right Fit

Here’s the inside scoop from someone who doesn’t stick with one lender. My toolkit includes 100+ active lender partners spanning private money, commercial hard money, bank portfolio products, and niche fix-and-flip funds. When LendingOne isn’t the best fit — because every deal and borrower is unique — I don’t just ghost you. Instead, I guide my clients to the right lender that matches the deal’s score.

Need a ground-up construction lender? I can connect you to specialized funds that underwrite dirt-to-delivery. Looking for DSCR loans for rental property grabs? I have those lined up. No credit? No problem — I plug borrowers into lenders who focus on cash flow and asset protection instead of credit scores.

Not sure if LendingOne’s terms match your deal? Don’t waste time feeling stuck. You can submit your deal here and let the network compete to get you the right fit, fast.

Submit Your Deal. Let the Lenders Compete

Time kills deals. If you’ve read all this and still aren’t 100% sure LendingOne is your lender, stop hesitating. Get funded faster by applying at https://rjbcapitalfunding.com/apply-now, where your deal will get shopped to a marketplace of serious lenders who want to put money to work on your project.

Whether LendingOne is your fit or not, the best strategy is to shop smart and move fast. Remember: funding windows close quickly, and having multiple options accelerates your chances to win the deal.

Final Thoughts on LendingOne Review

Let me leave you with this:

  • LendingOne is a legit, reputable private lender that plays well in the fix-and-flip and short-term rehab loan space.
  • If your deal or borrower profile strays from their core focus, expect pushback or less competitive terms.
  • I work with 100+ alternative lenders who cover all corners of commercial and residential real estate financing — and there’s always a better fit.
  • Funding opportunites don’t wait. Submit your deal now to RJB Capital Funding and let lenders compete for your business.

At the end of the day, success in real estate investing comes down to speed, knowledge, and having the right capital partners. LendingOne can be one of those partners, but only if your deal checks the right boxes.

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LendingOne Review, Part 2: How They Really Stack Up & Why You Should Play the Field

Picking the right lender can make or break your deal — and not everyone who applies will get the green light from LendingOne. In this follow-up LendingOne review, I’m pulling back the curtain on what you need to know if you’re wondering: “Is LendingOne legit? How do they compare to the rest? And what if I don’t fit their mold?”

I’ve seen firsthand what LendingOne can do — and where they leave borrowers hanging. But here’s the kicker: LendingOne is a tool in your funding arsenal, not the whole toolbox. Let’s jump into a raw, real comparison, bust myths, and show you how to get approvals faster using LendingOne and 100+ other funders.

Is LendingOne Actually a Good Lender? The Elephant in the Room

Let me be blunt: LendingOne is legit, but they’re picky. They offer solid fix-and-flip loans, fast funding, and transparent terms, which is rare in the hard money and private lending world. But they’re no charity. Expect strict borrower experience requirements, caps on loan sizes, and a laser focus on rehab projects. If your deal doesn’t match their sweet spot, you’ll quickly hear “no” or get less competitive terms.

Why? Because LendingOne can afford to be choosy. They underwrite pretty aggressively to manage risk and keep their loan performance strong. That means investors without established track records or unconventional deal types are often out in the cold.

The good news: that selectivity means fast approvals and clear terms when you do qualify. It’s just not a one-size-fits-all lender. Be honest about your profile and project, or you’ll spin your wheels.

How LendingOne Compares to the Average Lender

Feature LendingOne Average Hard Money / Private Lender
Loan Types Fix & Flips, Short-Term Rehab Loans Varies widely; often broader but less specialized
Loan Amount Caps Generally up to $2M Ranges from under $1M to multi-million, depending on lender
Minimum Experience Required 3+ flips in last 2 years strongly preferred Some new lenders accept newbies; many require experience
Funding Speed Typically 7–14 days Varies widely; can be as quick as 3 days or as slow as 30+
Rates & Fees Competitive — Not cheapest, but fair Some lenders charge higher points; some niche lenders beat LendingOne
Loan Underwriting Clear, streamlined underwriting with project plan focus Varies greatly; some more flexible, others more opaque
Customer Service Responsive and honest Mixed; many lenders less communicative
Areas LendingOne Avoids Ground-up construction, large commercial, rentals (DSCR) Many lenders serve some of these — but often at higher cost or risk

This side-by-side shows LendingOne is built to serve a focused segment well but won’t be your “catch-all” lender.

When LendingOne is Perfect — And When It’s a Dead End

Use LendingOne if you:

  • Have experience flipping 3+ properties in the past couple of years
  • Need quick rehab/bridge funding under $2 million
  • Can show a solid exit strategy — refinance, refinance-to-rent, or sale
  • Are focused on single-family or small multi-family rehab projects

Avoid LendingOne if you:

  • Want ground-up construction loans (new build)
  • Need financing for big commercial or multi-family complexes over $2 million
  • Have limited or no flipping experience
  • Want DSCR-based rental property loans or long-term rental financing
  • Can’t provide solid credit history or proven project plans

If you try to force a deal outside LendingOne’s playbook, you’ll waste precious time. Every day a deal drags can cost you tens of thousands, so know when to push and when to pivot.

Why I Don’t Rely on One Lender — and Neither Should You

Here’s a hard truth: The “best” lender isn’t the one with the flashiest rates or slickest website. It’s the one that can say “Yes” to your unique deal and close quickly without hidden hurdles.

That’s why I never put all my eggs in one basket. LendingOne is an important, reliable partner in my lending network, but I also run a marketplace with 100+ vetted lenders specializing in every niche imaginable — from ground-up builders to credit-challenged cash buyers.

When you submit your deal through RJB Capital Funding, the system invites multiple lenders—including LendingOne—to bid on your project. That means you get:

  • Access to alternative lenders you’d never find on your own
  • Competitive terms driven by marketplace dynamics
  • Faster approvals because lenders know they’re competing
  • A safety net when LendingOne’s criteria aren’t a perfect match

3 Examples Where My Clients Got a Better Deal Than LendingOne’s Offer

To illustrate, here are real-world cases where using my network won over trying to go “direct” with LendingOne:

Example 1: Joe’s Ground-Up Construction Project

Joe wanted to build a new duplex but LendingOne outright declined due to their rehab-only focus. I matched him with a ground-up specialist lender who closed in 21 days, offering terms 1.5% better on rates with a flexible draw schedule. Joe’s project was funded on-time — no stalling or awkward workarounds.

Example 2: Sarah’s First-Time Flip

Sarah had only 1 previous flip, so LendingOne’s minimum experience rule blocked her. Through my network, she found a lender that looked at her credit and cash reserves instead of history alone. She was funded in 10 days and completed her rehab with ease — then graduated to LendingOne for her next deal.

Example 3: Mark’s $3 Million Multi-Family Rehab

Mark’s rehab loan exceeded LendingOne’s $2 million cap. I connected him with a capital partner specializing in larger deals who offered a full $3M bridge, plus tailored exit strategies. Without this, Mark would’ve had to piece loans together, risking delays and extra costs.

These aren’t exceptions — they’re the type of deals I see every week where knowing lender niches and fit pays off big.

Here’s the Smarter Way to Use LendingOne

LendingOne is a top option when you fit their criteria, but don’t let that stop you from exploring other options simultaneously. The smartest investors treat LendingOne like a strategic weapon in a well-stocked toolbox, not their one and only hammer.

Apply with LendingOne as part of a broader submission through RJB Capital Funding so you can:

  • Know in days if you qualify with LendingOne
  • Compare competing term sheets side-by-side
  • Leverage lender competition for better pricing or faster funding
  • Keep Plan B, C, and D ready if LendingOne passes

Remember: Funding a deal isn’t a spectator sport. The longer you hesitate or rely on a single lender, the higher your risk of lost opportunities.

Final Word: Get Your Deal in Front of Lenders Who Actually Compete

LendingOne is a credible, efficient lender who can fund right deals quickly — but they’re not a silver bullet. I recommend you submit your deal here today so you can unlock a network of lenders competing to put your project first.

Whether LendingOne turns out to be your fit or not, having options and a trusted guide makes a huge difference. Don’t leave your funding to chance — get in front of lenders who understand your deal and want to fund it.

If you want my team’s help figuring out if LendingOne is right for your project — or which alternative lender will do better — submit your deal now. It only takes a few minutes, but it could save you weeks of frustration and missed opportunities.

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