Overview
Lima One Capital (based in Greenville, SC, hard money) and New Silver (based in West Hartford, CT, hard money) are both non-QM lenders serving real estate investors. Lima One Capital serves National; New Silver serves National.
Figures for both lenders below were checked against their published materials as of 2026-09-17. Rates and terms change and are not a quote for either lender.
Lima One Capital vs New Silver: attribute by attribute
| Attribute | Lima One Capital | New Silver |
|---|---|---|
| Interest rate range | 7%–12% | 9.5%–11.75% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | Not publicly published | 660 |
| Minimum DSCR | 1.00 | 0.75 |
| Max LTV | 80% | 85% |
| Max LTC | 92% | 90% |
| Minimum loan size | $75K | $100K |
| Maximum loan size | $2.5M | $3.0M |
| States covered | 46 states | 39 states |
| Typical close time | 10-21 days typical | 5-14 days typical |
| Founded | 2010 | 2018 |
| Headquarters | Greenville, SC | West Hartford, CT |
Which one fits which borrower
- New Silver's minimum DSCR is 0.75, below Lima One Capital's 1.00 floor — New Silver will consider a property that cash-flows more thinly than Lima One Capital's minimum allows.
- New Silver publishes a minimum credit score of 660; Lima One Capital does not publish one.
- New Silver's max LTV is 85% against Lima One Capital's 80% — on the same purchase price, New Silver's published leverage lets a borrower put down less cash.
- Lima One Capital's max LTC is 92% against New Silver's 90% — for a rehab-heavy deal, Lima One Capital's published figure covers a larger share of total project cost.
- Lima One Capital's minimum loan size is $75K, below New Silver's $100K floor — Lima One Capital is the fit for a smaller deal that would fall under New Silver's minimum.
- New Silver's maximum loan size is $3.0M, above Lima One Capital's $2.5M ceiling — a larger transaction may need to go to New Silver.
- Lima One Capital publishes coverage in 46 states versus New Silver's 39 — confirm your specific state with either lender, since licensing changes.
- Lima One Capital was founded in 2010, 8 years before New Silver (founded 2018) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Lima One Capital full profile and review
- New Silver full profile and review
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Lima One Capital vs New Silver FAQ
Lima One Capital's published rate range is 7%–12%. New Silver's published rate range is 9.5%–11.75%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Lima One Capital does not publish a minimum credit score. New Silver publishes a minimum credit score of 660.
Lima One Capital's minimum DSCR is 1.00. New Silver's minimum DSCR is 0.75.
Lima One Capital's loan size runs $75K to $2.5M. New Silver's loan size runs $100K to $3.0M.
Lima One Capital's typical close time is 10-21 days typical. New Silver's typical close time is 5-14 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Lima One Capital's max LTV is 80% and max LTC is 92%. New Silver's max LTV is 85% and max LTC is 90%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Lima One Capital or New Silver, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.