Iron Bridge Lending vs. Lima One Capital
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | Lima One Capital Verified 17 Sep 2026 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Lake Oswego, OR | Greenville, SC |
| Founded | 2009 | 2010 |
| Geographic focus | Western & Midwest | National |
| Products | fix-and-flip, bridge, new-construction | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge |
| Loan size range | $75,000–$3,000,000 | $75,000–$2,500,000 |
| Max LTV | 75% | 80% |
| Max LTC | 85% | 92% |
| Terms | 12 months | 6-24 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical | 10-21 days typical |
| Rate range | 9.5%–12% | 7%–12% |
| Points | 1.5–3 pts | 1–3 pts |
Where they actually differ
Lima One Capital adds BRRRR and rental and multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Term structure differs too: Iron Bridge Lending runs 12 months; Lima One Capital runs 6-24 months (hard money) / 30-year (rental).
Leverage: Iron Bridge Lending tops out at 75% LTV / 85% LTC, against 80% / 92% at Lima One Capital. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Iron Bridge Lending describes its footprint as "Western & Midwest"; Lima One Capital as "National." Neither figure is a state count, so confirm direct licensing before assuming either covers a specific property.
Iron Bridge Lending
An investor who needs short-term fix-and-flip or new-construction financing and will source the rental takeout loan separately
Lima One Capital
A BRRRR or multi-family investor who wants the rehab-to-rental refinance and the long-term DSCR loan from a single lender, qualifying at a 1.00 DSCR across 46 states