Kiavi, Inc. ranks as a leader in the private lending industry, delivering more than $6.2 billion in total loan volume in 2024 and serving 45 states. Their main product—a bridge loan—targets real estate investors who need quick, reliable funding for property purchases, renovations, or flips. With more than 12 years of experience and a large team of 450 originators, Kiavi provides both bridge and term loans, allocating roughly 90% of production to bridge loans and 10% to term loans. While specific interest rates may fluctuate, Kiavi’s lending terms are competitive and their process is known for speed and efficiency.

How to Apply for a Kiavi Private Loan

Applying for a Kiavi loan is straightforward. First, prepare your project details and get pre-qualified online using their user-friendly platform.

After submitting your application, you will receive a quick preliminary decision. Kiavi’s team may request supporting documents such as ID and property details to complete the underwriting process.

Once approved, review the loan terms and choose which product works best for your needs. Then, close on your loan, which can happen in as little as 7 days.

The funds are disbursed quickly, allowing investors to move forward on time-sensitive deals without unnecessary delays or complications.

Throughout the process, Kiavi provides updates and guidance, making each step clear and accessible for both new and seasoned investors.

Pros of Kiavi Private Loans

One of the biggest advantages is Kiavi’s loan volume—the company funded over 20,000 units in 2024, confirming their reliability and industry leadership.

Quick turnaround times are another benefit, with many loans closing in less than 10 days. This speed is crucial for real estate investors facing tight deal deadlines.

Flexible loan options cater to various real estate strategies, from traditional flips to long-term rentals, offering both bridge and term products.

The online application ensures a transparent experience, and the large support team means borrowers have experienced professionals guiding them every step of the way.

With coverage in 45 states, Kiavi makes lending accessible to investors across much of the country.

Cons of Kiavi Private Loans

On the downside, while bridge loans are the primary focus, term loan products receive less attention, which may limit choices for some borrowers.

Interest rates are not stated explicitly upfront, meaning you must engage with their team or platform to view current details, which could be inconvenient for rate shoppers.

Verdict: Is Kiavi a Good Fit?

Kiavi, Inc. is highly recommended for real estate investors who value reliable high-volume lenders capable of fast closings. Their experience and scale provide significant confidence and transparency, especially for bridge loan seekers. However, if you need term loans or want upfront rates, you should compare with other providers as well.