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§ Private Profile · San Francisco, CA, USA
Kiavi is a technology company.
Kiavi operates a technology-powered lending platform, providing financing for real estate investors. It offers specialized loans for fix-and-flip projects, DSCR rental properties, and new construction. The digital platform streamlines application and approval, enabling investors to efficiently manage property investment cycles.
The company originated as LendingHome, co-founded in 2013 by Matt Humphrey and James Herbert. They identified traditional mortgage lending inefficiencies for real estate investors, leveraging technology for accessible financing. LendingHome rebranded to Kiavi in September 2021, reflecting its evolved mission and expanded offerings.
Kiavi serves diverse real estate investors, from emerging to high-volume professionals. It delivers tailored financial solutions supporting strategies like fix-and-flip, new construction, and buy-and-hold. The company’s vision is to empower investors to efficiently scale property portfolios with reliable capital and an intuitive online experience.
Kiavi has raised $698.0M across 6 funding rounds.
Kiavi has raised $698.0M in total across 6 funding rounds.
Kiavi is a technology-driven private lender that provides fast, reliable financing to residential real estate investors (REIs) through a digital platform powered by machine learning and vast datasets[1][2][3][4]. It offers products like bridge loans, rental loans, and new construction financing, serving over 26,000 investors nationwide by funding more than 100,000 projects and $27 billion in loans, with 82% of transactions from repeat customers[1][3][5]. Kiavi solves the problem of slow, opaque traditional lending by automating underwriting with proprietary models like After Repair Value (ARV) and Property Risk (KPR), enabling instant quotes, higher leverage, competitive pricing, and closings in days rather than weeks—helping investors scale amid a $25 trillion aged U.S. housing stock[1][2][4][6]. Its growth momentum is strong, marked by milestones like funding its 100,000th loan in June 2025 and launching fully digitized new construction products in 2024, with 95% of projects achieving successful exits versus the industry 75% average[1][5].
Launched in 2013 as LendingHome, Kiavi pioneered a digital marketplace model connecting real estate investors with institutional capital, emphasizing speed and transparency in the fragmented private lending space[5]. The company rebranded to Kiavi to reflect its evolution into a full-stack tech platform, building on early traction from data-driven lending to fund over $27 billion across 100,000+ transactions[3][5]. Pivotal moments include integrating insurtech via a 2023 Obie partnership for bundled financing and insurance—unlocking $130 million in coverage for 400+ investors in nine months—and reaching 100,000 loans funded by June 2025, demonstrating resilience across market cycles[5]. Led by CEO Arvind Mohan, Kiavi shifted from marketplace origins to AI/ML-powered scaling, revitalizing aged housing for millions[2][4].
Kiavi rides the fintech wave transforming real estate investing by digitizing private lending amid a housing crisis, where investors rehabilitate $25 trillion in aged stock to create affordable rentals and move-in-ready homes[1][3][4]. Timing aligns with rising demand for speed in volatile markets—post-2020 investor surge and high interest rates favor its data edge over banks, enabling 100,000 loans by 2025 despite cycles[5]. Market forces like institutional capital influx and AI advancements amplify its model, while securitization and partnerships build resilience[5]. Kiavi influences the ecosystem by empowering 17,000–26,000 REIs to scale, boosting neighborhood revitalization and setting benchmarks for tech-enabled lending[1][3].
Kiavi's trajectory points to further platform expansion, potentially deepening AI for predictive analytics, rental portfolios, and construction amid persistent housing shortages. Trends like rising single-family rentals and insurtech convergence will shape it, evolving its influence from lender to ecosystem orchestrator—much like its shift from LendingHome marketplace to $27B scale. As the trusted edge in shifting markets, Kiavi remains poised to unlock more value in America's housing renewal[3][5][6].
Kiavi has raised $698.0M across 6 funding rounds. Most recently, it raised $75.0M Series E in December 2020.
Kiavi has raised $698.0M in total across 6 funding rounds.
Kiavi's investors include Richard Byrne, Noah Holdings, Lev Khasis, Andreessen Horowitz, Audacious Ventures, Aventures Capital, Ballistic Ventures, Crossbeam Venture Partners, Dig Ventures, Garage Technology Ventures, Geek Ventures, ICONIQ Capital.