Kiavi Review

★ 4.4/5

Best for Fix & Flip / Hard Money

Kiavi is a leading lender for fix-and-flip investors and spec builders, funding purchase plus rehab and closing fast. Rates run higher than a bank, but the speed wins competitive deals.

Rates: From 9.25% Loan range: $75,000 – $3,000,000 Terms: 12–24 months Min credit: 660 Time in business: Any (investors welcome) Funding speed: 5–10 business days

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Pros

✓Built for real estate investors and flippers
✓Funds purchase plus rehab budget
✓Fast close on competitive deals
✓Ground-up construction for builders

Cons

✕Higher rates than conventional loans
✕Short terms require an exit plan

Financing products

Fix & flipBridge loansGround-up constructionRental (DSCR)

Who Kiavi is best for

Kiavi is a strong fit for fix & flip, hard money, ground-up. Best for Fix & Flip / Hard Money makes it worth a quote if those describe your business. As always, compare at least two or three offers before committing — terms vary widely based on your credit, revenue, and time in business.

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Review last updated June 2026. How we rate lenders. Advertising disclosure.