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Kiavi
Fintech
Kiavi is a San Francisco-based fintech lender providing fast, data-driven financing for real estate investors who buy, renovate, and sell or rent residential investment properties.
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Kiavi was founded in 2013 by Matt Humphrey and Ray Sturm, under the earlier name LendingHome, providing specialized financing for real estate investors, particularly those pursuing "fix and flip" strategies of buying distressed or undervalued residential properties, renovating them, and reselling at a profit, or building rental property portfolios, a segment of borrowers that traditional mortgage lenders, focused primarily on owner-occupant home loans with standardized underwriting criteria, have historically served relatively poorly given the different risk profile, faster required funding timelines, and renovation-related complexity involved in real estate investor financing. Kiavi's platform uses proprietary data and technology to underwrite and fund real estate investor loans more quickly than many traditional lenders, an important differentiator given that real estate investors, particularly those pursuing time-sensitive property acquisitions such as buying at auction or competing against other investors for distressed properties, often need financing decisions and funding within days rather than the weeks or longer that traditional mortgage underwriting processes typically require. The company's loan products include short-term bridge loans for fix-and-flip projects, which are typically repaid relatively quickly once the renovated property is sold, and longer-term rental property loans for investors building buy-and-hold rental portfolios, addressing the two most common real estate investor financing needs. Kiavi has built its underwriting models using extensive historical data on real estate investment property performance and renovation project outcomes, aiming to make faster, more confident lending decisions than traditional lenders that lack this specialized real estate investor lending data and expertise. The company's customers span individual and professional real estate investors across the United States engaged in residential property flipping and rental property investment. Kiavi has raised substantial venture funding and debt capital from investors including Warburg Pincus, Jefferies, and Blackstone, reaching unicorn status, competing with other real estate investor lending platforms including Roc360 and various regional hard money lenders.
FOR QUALIFIED INSTITUTIONAL AND ACCREDITED INVESTORS ONLY: Under federal securities laws, private market investments on this platform are available exclusively to Institutional and Accredited Investors. Verification of status required before investing. Private investments involve significant risks including illiquidity, potential loss of principal, and limited disclosure requirements. "Augment" refers to Augment Markets, Inc. and its affiliates. Augment Markets, Inc. is a technology company offering software and data services, not a bank or financial institution. Cash Accounts are provided by Modern Treasury Corp. financial institution partners and through Augment's technology. Augment does not act as a money services business, provide money transmission, or serve as a custodian of funds. Funds held in your Cash Account are not FDIC insured unless expressly disclosed. Full terms available in the Augment Cash Account Agreement. Brokerage services are offered through Augment Capital, LLC, an affiliated broker-dealer and member FINRA/SIPC. "Investment accounts" are not brokerage accounts and do not hold customer funds or securities. Investment advisory services are offered through Augment Advisors, LLC, an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Neither Augment Advisors, LLC nor Augment Capital, LLC provide legal or tax advice; consult your attorney or tax professional regarding your specific situation. For additional information, please refer to Augment Advisors, LLC's Form ADV Part 2A (Firm Brochure) and FINRA BrokerCheck.
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