New Silver
New Silver Review 2026
RRE REVIEW –
4/5
USER REVIEWS –
New Silver Overview
What is New Silver?
New Silver is a technology-driven private lender for residential real estate investors, offering fix-and-flip rehab loans, ground-up construction financing, 30-year DSCR rental loans, and small-balance commercial real estate bridge loans. The company operates as New Silver Lending LLC and is known for its real-time pricing engine, which delivers instant online loan approval, term sheets, and proof of funds in under five minutes. New Silver lends in 40 states and is recognized for flexible underwriting that accepts DSCR ratios as low as 0.75, making the platform accessible to investors operating in high-appreciation but tight cash-flow markets.
New Silver Products & Services
New Silver offers a full suite of investment property loans designed exclusively for residential real estate investors and small-balance commercial buyers. The fix-and-flip program finances up to 92.5% of project costs with rates from 9.25% to 11.25%, while ground-up construction loans cover up to 90% of total project costs with 18-month terms and amounts up to $5 million. DSCR rental loans accept ratios as low as 0.75 and FICO scores down to 640 with exceptions, offering 30-year fixed terms, up to $3 million amounts, and 85% LTV. The commercial real estate bridge loan program (launched September 2025) provides $2 million to $15 million in financing across multifamily, mixed-use, retail, and industrial properties.
New Silver Features
| Feature | Details |
|---|---|
| Real-Time Pricing Engine | First-to-market real-time pricing engine delivers instant loan approval, term sheets, and proof of funds in under five minutes. |
| Flexible DSCR And FICO Requirements | Accepts DSCR ratios as low as 0.75 and FICO scores down to 640, among the most flexible in the industry. |
| Full Investor Product Suite | Fix-and-flip, ground-up construction, DSCR rental, and small-balance commercial bridge loans on one platform. |
| BarclayHedge Top 10 Income Fund | New Silver Income Fund ranked #9 by BarclayHedge in June 2025 Fixed Income asset-backed loans category. |
| 92.5% LTC Fix-and-Flip Leverage | Fix-and-flip program finances up to 92.5% of project costs, among the highest leverage in private lending. |
New Silver Reviews
New Silver Review by RentalRealEstate
4/5
Cost – 4
Ease-of-Use – 4
Customer Service – 4
Tools and Resources – 4
New Silver is a solid choice for tech-savvy real estate investors who value speed, flexible underwriting, and a fully digital application experience. What stands out most is the real-time pricing engine that delivers approvals, term sheets, and proof of funds in under five minutes, providing a meaningful edge for investors competing on time-sensitive deals. The lender accepts DSCR ratios as low as 0.75 and FICO scores down to 640, opening access for investors traditional lenders won’t serve. BarclayHedge’s top-10 ranking of the New Silver Income Fund in 2025 provides institutional credibility. The tradeoff is smaller scale and brand recognition relative to Kiavi, Lima One, and CoreVest.
Pros:
- DSCR as low as 0.75 and FICO down to 640
- Real-time pricing engine and 5-minute approvals
- 92.5% LTC for fix-and-flip projects
Cons:
- Not lending in nine states
- Smaller scale than Kiavi or Lima One Capital
- Higher rates than conforming loan options
Search Rental Real Estate
Try searching our site for hundreds of rental property topics including loans, investor tool reviews, real estate companies, property management tips and more.
New Silver User Reviews
Have you used New Silver? If so, please take a minute to leave an honest review of your experience below. By writing a review, you can help guide other real estate investors, operators, and managers on whether or not New Silver is the good choice for them.
Submit
Your
Review
There are no reviews yet. Be the first one to write one.
New Silver Alternatives
New Silver FAQ
Is New Silver Legitimate?
Yes, New Silver is a legitimate technology-driven private lender founded in 2018 by Kirill Bensonoff and Alex Shvayetsky, headquartered in West Hartford, Connecticut. Operating as New Silver Lending LLC with a 5-star Trustpilot rating, the company has funded over $300 million in loans across 40 states.
Who Owns New Silver?
New Silver is a privately held fintech company owned by its co-founders and minority investors. The company was founded in 2018 by Kirill Bensonoff (CEO) and Alex Shvayetsky (Chief Risk Officer), both immigrants from the former Soviet Union. Hartford Business Journal reports the company has raised $50 million in total capital and posted 335% revenue growth.
More Rental Real Estate Tools
100+ Rental Real Estate Tools
