Overview
LendingOne is a direct private lender that provides streamlined real estate loans primarily for investors focusing on fix-and-flip and rental properties. Their mission is to expedite the loan application and approval process while maintaining reliability, championing a customer-first philosophy. Founded in 2014 by Bill Green and Matthew Neisser, LendingOne leverages innovative lending technologies supported by deep real estate expertise. The firm is based in Boca Raton, Florida, and maintains a strong online presence to emphasize customer service and efficient lending practices.
Services and Offerings
LendingOne caters to a wide range of clients, including part-time investors, large landlords, developers, and real estate funds, offering the following loan products:
- Fix-and-Flip Loans
- Portfolio Rental Loans
- New Construction Loans
- Fix to Rent Loans
These offerings are supported by a technology-driven model that simplifies the user experience, assisting borrowers in securing investment capital with ease through an intuitive online application system.
Leadership Team
- Matthew Neisser, CEO & Co-Founder: Since co-founding LendingOne, Matt Neisser has guided its growth into one of the premier private lending platforms in the USA. He holds a B.Sc. in Finance from Rutgers University and an MBA from Columbia Business School.
- Jarret Freedman, CFO: Since June 2023, Freedman has been responsible for financial strategies, audits, and tax planning. He possesses extensive experience from previous positions in commercial real estate development.
- Jaime Arouh, VP of Capital Markets: With over 14 years in trading and management focused on mortgage-backed securities and loans, Arouh plays a pivotal role in managing strategic institutional relationships and financing initiatives.
- Joshua Marcus, General Counsel: Since 2015, Marcus has overseen the legal and compliance framework, greatly influencing the company's strategic direction. He holds a J.D., magna cum laude, from the University of Miami.
- Marie Franqui, VP of Human Resources: Joining the team in 2016, Franqui has significantly expanded the team, fostering a collaborative HR environment.
- Aline Sampaio, VP of Operations: Sampaio leads operation transformation and growth, effectively managing an expansive team across various functions, enhancing the loan fulfillment framework.
- John Lynn, VP of Strategy & Execution: Lynn brings extensive experience in real estate finance and private equity, guiding strategic initiatives and company project execution.
Strategic Initiatives
LendingOne's strategic efforts focus on enhancing investment potentials for clients through personalized customer interactions and educational resources. Their Growth Program supports clients in portfolio expansion via free coaching and marketing resources.
Contact Information
- Phone: (866) 953-5121
- Email: info@lendingone.com
- Website: [LendingOne Official Site](https://lendingone.com/)
Regulatory Compliance
Operating under multiple state licenses, LendingOne ensures compliance with federal and state regulations for non-owner occupied residential properties. They possess significant licenses such as the AZ Mortgage Banker License and the CA DFPI Financing Law License. Their compliance strategy includes specific geographic tailoring where some states are exempt or restricted from their lending operations.
Company Metrics
LendingOne boasts an annual revenue of approximately $27.3 million and employs around 130 individuals. CEO Matthew Neisser holds a notable approval rating of 82%.
Competitor Profiling
Key Competitors
LendingOne faces competition in the real estate lending market from several players, each with specific strengths tailored for real estate investors:
- Anchor Loans: The top private, direct lender for experienced real estate investors and builders, recognized for their capability in managing large and complex loans. They focus on fast approvals, flexible terms, and advanced technology-driven loan management. Anchor Loans reports a revenue of $129 million with 282 employees.
- Civic Financial Services: Under the Roc360 umbrella, Civic offers bridge loans and fix-and-flip exposure limits to residential real estate investors, emphasizing reliability and fast funding. The company achieves around $74 million in revenue with a workforce between 201-500.
- 5 Arch Funding: Offers a borrower-centric approach providing mortgage solutions to real estate investors. They report an estimated revenue of $3.4 million with fluctuating employee numbers, lately marking at 23 employees. Their service range includes key U.S. markets like New York and California.
- CoreVest Finance: Specializes in long-term loans for stabilized rental portfolios. They have funded over 162,000 units, securing a leading position as a lender to residential investors nationwide.
- Fund That Flip: Provides an online platform for investing in short-term residential real estate debt, focusing on quick and economical capital delivery. It's recognized as an Inc. 5000 entity due to its fast-paced growth in the fintech realm.
Industry Insights
The real estate lending sector is highly competitive, with differentiation achieved through service efficiency, loan product diversity, and geographic reach. LendingOne's competitors, such as Anchor Loans and Civic Financial Services, prioritize speed, competitive rates, and comprehensive loan offerings, all key to appealing to investors who value quick and reliable access to funding.
Furthermore, the growing presence of fintech platforms like Fund That Flip highlights the industry's digital transformation, with online platforms now integral to lending services. This evolution offers more efficient and accessible services, a trend LendingOne and its competitors could further utilize to enhance their competitive positions.
