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Brickline vs Lima One

Which real estate investor loan is right for your next deal?

Compare Brickline and Lima One across funding speed, leverage, pricing, and the overall investor experience. While both platforms serve real estate investors, the lending approach, deal flexibility, and execution speed can feel very different depending on the project.
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Lowest Rate

6.7%

Brickline

Max LTC

90%

Brickline

Funding Speed

4–6 days

Brickline

Investors Funded

8,000+

Brickline

Brickline vs Lima One: A
by-Side Comparison

Compare key factors like rates, leverage, loan terms, and funding

speed to see which lender better fits your investment strategy.

Feature Brickline Lima One
Starting Rates ✓ Starting at 8.0% 12.0% – 14.5%
Loan Amounts ✓ $100K – $3M $75K – $2M
Loan Term ✓ 12–24 months ✓ 12–24 months
Property Types Residential, Mixed Use Residential, Rental, Fix & Flip
Max LTC ✓ Up to 90% Up to 85%
Speed of Funding ✓ 4–6 business days 15–30 business days
Origination Fees ✓ Starting at 2% 2.0% – 3.0%
Credit Score Min. ✓ 660 680

Key Differences Between
Brickline and Lima One

From funding speed to flexibility, here’s how each platform

performs when it matters most in real investment scenarios.

Speed

Brickline funds in 4–6 days, and Kiavi’s funding takes 14–25 days. Critical when competing on time-sensitive deals.

Deal Complexity

Brickline offers leverage up to 90% LTC on eligible projects, helping investors preserve more capital for additional acquisitions.

Property Type

Brickline is designed around flexible residential investor financing, including bridge, rehab, DSCR.

Guided Support

Brickline combines a modern online platform with hands on deal guidance when questions, structure, or execution matter.

Which Platform is Best
for Your Investment?

Flexible & Guided Experience
Choose Brickline

Brickline is perfect for first-time investors with higher LTC (up to 90%) and faster funding, helping you land your first project without tying up capital.

  • Lower minimum FICO (660)
  • Up to 90% LTC
  • 2-6 day funding
  • Simple, guided application
Best For Institutional Lending Programs
Consider Lima One
Lima One may be a fit for investors who prefer more traditional underwriting and are comfortable with longer timelines and structured loan programs.
  • Loan programs for fix & flip and rental properties
  • More standardized underwriting approach
  • Longer approval and funding timelines
  • Established lending structure

Why Choose Brickline

Built for investors Who Want
To Close Deals Faster

Brickline is designed for investors who value speed, simplicity, and flexibility. Compared to more traditional lenders like Lima One, Brickline helps you move quickly, access higher leverage, and close deals without unnecessary delays.
4–6 day funding
No prepay penalty
Up to 90% LTC
5-Minute soft quote

Frequently Asked Questions

Get clear answers about loan approvals, timelines, and requirements when comparing Brickline and Lima One.

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What is the loan approval process for Brickline and Lima One?
Both lenders offer digital applications, but Brickline is designed for speed. You can receive a soft quote in under a minute and move to approval quickly, while Lima One typically involves a more detailed underwriting process that may take longer.

Ready To Choose The Right Financing Partner?

See the difference speed and flexibility can make. Get pre-qualified with Brickline and move forward with confidence on your next investment.
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