Company Overview
About Kiavi
Kiavi is one of the nation's largest private lenders to residential real estate investors, providing fix-and-flip loans, rental portfolio financing, and new construction loans powered by a technology-driven underwriting platform. Founded in 2013 as LendingHome and rebranded as Kiavi in 2021, the company replaced the slow, document-heavy process of traditional hard money lending with a fast, data-driven application that can produce loan offers in minutes and fund in days. Its platform uses proprietary algorithms to assess property value, borrower track record, and market conditions, enabling faster and more consistent credit decisions.
Business Model & Competitive Advantage
Kiavi has built a substantial securitization program since 2019, having issued over $6B in notes through its LHOME shelf and consistently attracting strong institutional investor demand. In 2025 alone, the company closed multiple significant rated securitizations — including a $300M deal in January and a $400M deal later in the year — unlocking up to $1.3B in additional funding capacity. Loan origination volume reached $4.5B in the first seven months of 2025, a 26% year-over-year increase, despite a challenging existing-home-sales environment. Total funded loans since inception exceed $29.5B.
Competitive Landscape 2025–2026
Kiavi serves professional real estate investors — from individual house-flippers to institutional portfolio buyers — who need reliable, fast capital to compete in competitive markets. Unlike banks that apply residential mortgage underwriting criteria, Kiavi underwrites against the asset and the borrower's investment track record. This specialization, combined with its technology platform and institutional funding infrastructure, positions Kiavi as the category leader in residential real estate investor lending, competing with Visio Lending, Lima One Capital, and RCN Capital.
Key Differentiators
Market Leader
Kiavi is recognized as a market leader in the Financial Services sector, demonstrating strong industry presence and customer trust.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
Based on estimated brand signals. Historical tracking coming soon.
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