Ohio Private Lending

Capital that moves as fast as your deal.

Fix & flip, bridge, cash-out, and DSCR loans across Ohio. Submit your deal today and hear back within 24 hours.

Submit Your Deal3-minute form. Same-day review.
Row of residential homes in an Ohio neighborhood

Fast closings

days, not weeks, from submission to funding

24-hour decision

hear back the same business day

Ohio-based

local knowledge, statewide reach

No hard credit pull

soft pull only, no impact to your score

Why investors choose us

Private capital with a local edge.

We know Ohio.

We're not out-of-state money looking for yield. We're Ohio investors ourselves. We know the markets, the neighborhoods, and what a good deal looks like here.

We move when you move.

When you're under contract, speed is everything. We've structured our entire process around getting you to the closing table fast, without the runaround.

You get a real answer.

No loan committees. No back-and-forth with someone who can't make a decision. Submit your deal and you'll hear directly from the people who can fund it.

Traditional lenders are slowing you down.

Banks care more about your W-2s and tax returns than your deal. Endless document requests. Weeks of review. And then the dreaded response: we can't close in time. Every delay costs you money and risks losing the property to a faster buyer.

DayOne is different.

We underwrite the property, not your income

You get a real answer within one business day

We've closed deals in as few as 2 days

Loan programs

Capital for every stage of the deal.

Fix & Flip

Short-term financing to acquire and renovate residential investment properties across Ohio.

Up to 90% LTC6–12 month termsStarting at 9.9%1–3 points
Learn more →

Bridge Loan

Bridge the gap between transactions when timing doesn't line up. Close now, refinance or sell on your schedule.

Up to 75% LTV6–12 monthsInterest-only1–3 points
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Cash-Out Refinance

Unlock equity from properties you already own to fund your next acquisition or renovation.

Up to 65% LTVStarting at 10.9%
Learn more →

DSCR Loan

Partner Program

Need a long-term hold loan? We'll connect you with our DSCR lending partners who qualify on the property's cash flow.

Cash flow qualifiedLong-term holdPartner network
Learn more →
Recent closings

Deals we've funded.

Single-family home in Toledo, OhioHigh-leverage | 92.5% LTC
Bridge Loan

Full gut renovation at high leverage: 92.5% LTC with a clear path to long-term DSCR financing

MarketToledo, OH
Loan amount$92,500
Single-family home in Lorain, OhioFunded at 91% LTC
BRRRR

Single-family value-add funded at 91% LTC, refinanced via DSCR after 3 months

MarketLorain, OH
Loan amount$91,000
Read the case study
Single-family home in Toledo, OhioFunded at 92.5% LTC
Bridge Loan

Purchase and renovation funded at 92.5% LTC, positioned for DSCR refinance after 90-day seasoning

MarketToledo, OH
Loan amount$86,690
See all closings

Ready to move on your next deal?

Submit your deal for a same-day review. No commitment, no obligation. Just a fast, straight answer.

Submit Your Deal

Quick Deal Review: hear back within 1 business day

Investor insights

Stay ahead of the market.

DayOne was built to support investors who move fast and think long term. Reviewing deals every week gives us a front row seat to what's working, what's changing, and where investors get stuck. These insights are a way to share what we're seeing, before you're under contract.

What we’re seeing in the Ohio market right now

Local trends, pricing shifts, and where deals are moving

How investors are structuring deals in this environment

Real structures from real deals across Ohio

When hard money makes sense and when it doesn’t

Honest guidance on when private capital fits

Common mistakes that slow down otherwise solid deals

What we see go wrong, and how to avoid it

Read the archive →

Get the insights.

No spam. No sales pitch. 1–2 emails per month.

Submit Your Deal