New Silver Lending Reviews (2025): Honest Breakdown for Investors

New Silver Lending reviews are popping up everywhere lately, and for good reason. In today’s fast-paced real estate world, investors need more than just capital; they require speed, flexibility, and a lender that truly understands how deals are executed. That’s where fintech-based hard money lenders like New Silver come in.

However, with numerous private lenders entering the market, it can be challenging to distinguish between the flashy and the functional. Is New Silver just another tech startup making bold claims, or is it actually a reliable financing partner for real estate investors?

In this honest review, we break down everything you need to know before borrowing from New Silver. Whether you're flipping houses, building from the ground up, or refinancing a rental portfolio, our goal is simple: help you decide if New Silver is the right fit—or if you’re better off going elsewhere.

And if you’re still gearing up for your first deal, don’t worry, our Ultimate Investor Program teaches you exactly how to flip houses step-by-step. Once you’ve got the strategy down, New Silver could be the perfect way to fund that first profitable project.

• What Is New Silver Lending?
• How New Silver Lending Works (Step-by-Step)
• Types of Loans Offered by New Silver Lending
• New Silver Lending Reviews from Real Customers
• Pros and Cons of New Silver Lending
• New Silver Lending vs Other Hard Money Lenders
• Who Should Use New Silver Lending?
• Our Verdict: Is New Silver Lending Worth It?
• FAQ: New Silver Lending Reviews

If you’re serious about doing your first real estate deal, don’t waste time guessing what works. Our FREE Training walks you through how to consistently find deals, flip houses, and build passive income—without expensive marketing or trial and error.

This FREE Training gives you the same system our students use to start fast and scale smart. Watch it today—so you can stop wondering and start closing.

What Is New Silver Lending?

If you’re researching New Silver Lending reviews, it's helpful to first understand who they are and what they do. Founded in 2018, New Silver is a tech-enabled private lending company specializing in fast and flexible real estate loans for investors. Unlike traditional banks, New Silver is built for speed, offering instant online underwriting, same-day term sheets, and proof-of-funds letters in just minutes.

New Silver is designed for real estate investors who require rapid, dependable funding for projects such as fix-and-flips, new builds, and rental properties. Instead of dealing with slow paperwork and in-person meetings, borrowers can move from application to closing entirely online. With lending available in over 40 states, New Silver gives both local and out-of-state investors a way to access capital without the usual red tape.

By combining fintech automation with real-world lending experience, New Silver aims to eliminate bottlenecks and help investors close more deals, faster. Whether you’re scaling a portfolio or flipping your first property, this section sets the stage for the full New Silver Lending review that follows.

• Founded: 2018
• Focus: Real estate loans for investors (fix and flip, rental, construction)
• Coverage: Available in 40+ U.S. states
• Tech-Driven: Instant quotes, digital applications, proof-of-funds in minutes
• Target Audience: Real estate investors seeking speed and flexibility

How New Silver Lending Works (Step-by-Step)

If you’re wondering how New Silver Lending works, the process is designed to be fast, straightforward, and entirely online. Thanks to their fintech-backed platform, borrowers can get pre-qualified, receive a proof-of-funds letter, and review a loan term sheet, all within a matter of minutes. This digital-first approach is a major reason why New Silver Lending reviews often highlight the speed and simplicity of the process.

Whether you're flipping a house or building new construction, here's how to apply for a New Silver loan from start to finish:

1. Pre-Qualify Online: Visit the New Silver application portal to get an instant decision by entering basic information about yourself and your deal—no hard credit pull required.
2. Submit Property Details: Enter the address, purchase price, rehab budget, and expected ARV. The platform uses this to analyze loan eligibility and projected returns.
3. Receive Proof of Funds Letter: Once pre-approved, you can instantly download a proof-of-funds letter to strengthen your offer when bidding on properties.
4. Review Term Sheet: You’ll receive a personalized term sheet with the estimated loan amount, interest rate, fees, and repayment terms.
5. Underwriting: After accepting the terms, New Silver’s team will verify documents, order an appraisal, and finalize the loan structure. Most deals move to closing quickly, assuming documentation is in order.
6. Close & Fund: You can close in as little as 5 business days. Funds are wired directly to the title company, helping you move fast.

The entire New Silver application process is designed for speed, making it ideal for competitive markets where fast closings can significantly impact your deal. According to their official website, most loans close within a week (but it can take 10 business days or longer in some areas), making it one of the fastest hard money options available nationwide.

New Silver Advantage Program

For investors who make New Silver an ongoing partner, the Advantage Program unlocks meaningful perks:

This rewards program is available for both Fix‑and‑Flip and Ground‑Up Construction loans. As you close more deals—three to ten—you move through tiers

Perfect Lender for Students Flipping & Renting Properties

If you're serious about doing multiple deals a year, New Silver’s Advantage Program could be a perfect fit. The more deals you complete, the more you save, making it an ideal lender for students who are actively wholesaling, flipping, or building rental portfolios. And that’s exactly what we teach inside our Ultimate Investor Program.

Whether you're aiming to flip your first house or scale a passive income strategy with buy-and-hold rentals, we walk you through every step of the process. And to help you get started, we’ve put together a free resource just for you: The Ultimate Guide To Start Real Estate Investing.

Types of Loans Offered by New Silver Lending

New Silver doesn’t try to be everything to everyone; they focus on what real estate investors actually need. If you're flipping houses, building from the ground up, or holding onto rentals for cash flow, they offer loan options that match your pace. The entire process is online, the terms are built for speed, and the goal is simple: help you close deals without getting stuck in red tape.

In this section, we’ll break down the three main New Silver Lending loan types—what they offer, how they work, and who they’re best for:

• Fix & Flip Loans
• 30-Year Rental Loans
• Ground-Up Construction Loans

Fix & Flip Loans

New Silver’s Fix & Flip loan is designed for real estate investors looking to buy, renovate, and flip houses with no money and minimal delays. With fast closings, a tech-forward application process, and financing up to 90% of the purchase price, this loan gives you the capital you need to act quickly in today’s competitive market. Plus, you can finance up to 100% of the construction costs, making it one of the most aggressive short-term loan products available.

Here’s what you can expect from New Silver’s Fix & Flip Loans:

• Interest Rate: 9.25% – 11.25%
• Origination Fee: 1.25% – 1.75%
• Loan To Cost (LTC): Up to 90%
• Construction Financing: Up to 100%
• Loan To ARV: Up to 75%
• Term: Up to 18 months
• Minimum Loan Amount: $100,000
• Maximum Loan Amount: $5,000,000
• Minimum FICO: 650
• Type of Property: Residential 1–4 units, condos, townhomes

30-Year Rental Loans

Trying to build steady rental income? New Silver’s 30-year loan might be worth a look. It’s made for investors who want long-term financing without a bunch of hoops to jump through. You can borrow up to 80% of the property’s value, and rates typically start in the sixes, which isn’t bad, especially if you’re planning to hold for a while. Whether you're refinancing a portfolio (the BRRRR method) or buying your first rental property, the fast, fully online process and instant term sheet make it easy to scale your rental business.

• Interest Rate: From 6.375%
• Origination Fee: 0 – 2%
• Loan To Purchase Price: Up to 80%
• Loan To Value (LTV): Up to 80%
• Minimum DSCR: 0.75
• Instant Term Sheet: Yes
• Term: 30-year fixed rate
• Minimum Loan Amount: $150,000
• Maximum Loan Amount: $3,000,000
• Minimum FICO: 660
• Type of Property: Residential 1–8 units
• Short Term Rentals: Yes

Ground-Up Construction Loans

New Silver’s Ground-Up Construction Loan is built for investors and developers starting from scratch. Whether you're building a single-family home, townhome, or small multi-unit project, this loan offers up to 90% loan-to-cost and full financing for construction expenses. With flexible terms and fast closings, it's a strong option for shovel-ready projects in markets where new inventory is in demand. Like all of New Silver’s loans, the process is fully digital, helping you move from approval to funding in just days.

• Interest Rate: 10.5% – 11.5%
• Origination Fee: 1.5% – 2%
• Loan To Cost (LTC): Up to 90%
• Construction Financing: Up to 100%
• Loan To ARV: Up to 75%
• Term: 18 months
• Minimum Loan Amount: $100,000
• Maximum Loan Amount: $5,000,000
• Minimum FICO: 650
• Type of Property: Residential 1–4 units, condos, townhomes

New Silver Lending Reviews from Real Customers

If you’re researching New Silver Lending reviews to decide whether this lender is right for you, the best place to start is with real investor feedback. Across third-party platforms like Trustpilot, Google, and the Better Business Bureau, New Silver earns strong marks for speed, ease of use, and transparency—but like any lender, it’s not without a few mixed experiences.

As of 2025, New Silver maintains a 4.8 out of 5-star rating on Trustpilot, based on over 100 verified reviews. Most customers praise the company’s tech-forward application process, fast closings, and helpful support team. Others highlight specific representatives by name for going above and beyond to ensure deals close smoothly. However, a few borrowers mention occasional delays in underwriting or communication gaps as areas for improvement.

While New Silver does have a profile with the Better Business Bureau, it is currently not BBB-accredited, which may be worth considering if BBB ratings are a key factor in your decision-making process.

Here’s what real customer reviews of New Silver are saying on Trustpilot:

• Best hard money lender I've worked with: “I'm extremely satisfied with New Silver! Their competitive terms and flexible loan options made it possible for me to secure funding for my project. The team was responsive and communicative throughout the entire process.”
• JUST WOW! New Silver was AMAZING throughout the entire loan process: “From start to finish, my experience with New Silver was outstanding. I needed a fast loan for an unconventional situation. James made the terms happen. Then Brittany executed the paperwork and details and stayed on top of everything throughout the process to ensure things flowed smoothly.”
• New Silver Does it Right AGAIN: “New Silver is marvelous! Sometimes the experience can be “off”, the second time around but New Silver came through with another awesome experience with my Fix n Flip.”
• Great Company To Work With: “My experience with New Silver was very positive from the initial application through the underwriting process. Joe, was highly responsive to questions, helpful and encouraging throughout. Amra of underwriting was awesome; also very helpful and encouraging. I gave 4 stars only because I needed to form a new LLC, wasn't informed early in the process and it caused unforeseen cost and delay.”

So, is New Silver Lending legit? Based on dozens of positive reviews from experienced investors and repeat clients, the answer is yes. While no lender is perfect, New Silver consistently delivers on its promise of fast, digital-first financing for real estate investors, and that’s reflected in its strong online reputation.

Pros and Cons of New Silver Lending

Before choosing a lender, it’s smart to weigh the upsides and downsides, and this is where an honest look at the New Silver Lending pros and cons can help. Like most tech-based private lenders, New Silver is built for speed and scale, but that doesn’t mean it’s the perfect fit for everyone. Based on customer reviews, platform features, and eligibility criteria, here’s a straightforward breakdown of the key advantages and potential drawbacks of working with New Silver.

New Silver Lending vs Other Hard Money Lenders

If you’re comparing New Silver Lending alternatives, it’s important to look at how they stack up against other major players in the space. Competitors like Kiavi, Lima One Capital, and RCN Capital offer similar loan products but differ in terms of speed, borrower requirements, technology, and flexibility. This side-by-side chart helps investors quickly see where New Silver excels, and where another lender might be a better fit for your specific needs.

As this comparison shows, New Silver stands out for its digital-first process, speed, and deal analysis tools. However, if you're seeking institutional-grade underwriting, more loan variety, or want in-person servicing, platforms like Lima One or RCN Capital may be a better fit.

Who Should Use New Silver Lending?

So, who’s New Silver really for? Honestly, it’s not the best fit for everyone, but if you’re an investor who needs to move fast and hates paperwork, it might be exactly what you’re looking for. The whole process is online, approvals come quickly, and the loan terms are flexible enough to work for flips, rentals, or even new builds. If you’ve done a deal or two and want to scale without dealing with banks, this could be a great option.

Based on our review, here are the investors who are best suited for New Silver:

• Experienced fix-and-flip investors who need fast capital with minimal friction
• Ground-up builders tackling shovel-ready new construction projects
• Landlords and BRRRR investors looking to refinance or acquire rental properties with DSCR flexibility
• Portfolio investors seeking repeat-use perks like rate and fee discounts
• Tech-savvy borrowers who prefer a 100% digital lending experience with instant term sheets and proof-of-funds letters

However, New Silver may not be the best fit for beginners with low credit, limited capital, or those who need a hands-on lending experience. If you’re brand new to investing or unfamiliar with loan structuring, you might find more value in working with a coach or using a lender with more in-person support.

Our Verdict: Is New Silver Lending Worth It?

So, is New Silver Lending worth it in 2025? For the right type of real estate investor, the answer is a clear yes. With its fast online application process, instant proof-of-funds letters, competitive loan options, and nationwide reach, New Silver positions itself as one of the most efficient private lenders in the market. It’s especially well-suited for experienced investors who need to close quickly and don’t want to deal with the delays and paperwork of traditional banks.

Their Advantage Program adds long-term value for repeat borrowers, while tools like FlipScout give investors an edge in analyzing deals. While the lender isn’t ideal for beginners or those with poor credit, most New Silver Lending reviews in 2025 reflect a strong reputation built on speed, tech innovation, and reliability.

Bottom line: If you're a serious real estate investor looking for speed, transparency, and a lender that actually understands how deals get done, New Silver is absolutely worth considering.

FAQ: New Silver Lending Reviews

Still have questions about how New Silver works? This FAQ section answers the most common concerns investors have when reading New Silver Lending reviews—from funding speed to credit requirements and more.

Is New Silver Lending legit?

Yes, New Silver Lending is a legitimate private lender that has been operating since 2018. It’s widely used by real estate investors across 40+ states and maintains strong ratings on platforms like Trustpilot.

How long does it take to get funded?

New Silver can close loans in as little as 5 business days. Thanks to its automated application and instant term sheets, the underwriting process is much faster than traditional lenders.

What credit score do you need for New Silver?

The minimum FICO score for most loan products is between 650 and 660. While a higher score may help secure better terms, New Silver does not require a hard credit pull for initial pre-qualification.

Does New Silver offer proof-of-funds letters?

Yes, borrowers can generate a proof-of-funds letter instantly after submitting basic deal information through New Silver’s online platform. This feature is especially helpful for competitive markets where speed matters.

Can you use New Silver if you’re a new investor?

You can, but New Silver is best suited for investors who already understand the basics of real estate financing. If you're brand new and don’t have much capital or experience, you might find more value in starting with an educational program before applying for a loan.

Conclusion: New Silver Lending Reviews

When you look at New Silver Lending reviews, it’s easy to see why New Silver gets so much attention. They move fast, the tech makes things simple, and the whole setup feels built for people who actually do deals. Whether you’re flipping, building, or picking up a rental, it’s a much smoother experience than going through a traditional lender.

It’s not the perfect fit for everyone, but if you’re an experienced investor who values fast closings, digital tools, and competitive terms, New Silver is well worth considering for your next deal. And if you’re just getting started, make sure you have the right training and support in place before jumping into your first loan.

If you’re serious about doing your first real estate deal, don’t waste time guessing what works. Our FREE Training walks you through how to consistently find deals, flip houses, and build passive income—without expensive marketing or trial and error.

This FREE Training gives you the same system our students use to start fast and scale smart. Watch it today—so you can stop wondering and start closing.

*Disclosure: Real Estate Skills is not a law firm, and the information contained here does not constitute legal advice. You should consult with an attorney before making any legal conclusions. The information presented here is educational in nature. All investments involve risks, and the past performance of an investment, industry, sector, and/or market does not guarantee future returns or results. Investors are responsible for any investment decision they make. Such decisions should be based on an evaluation of their financial situation, investment objectives, risk tolerance, and liquidity needs.