Kiavi Achieves $350 Million Securitization, Boosting Funding Capacity Significantly

Kiavi Achieves Major Securitization Milestone

In a groundbreaking financial maneuver, Kiavi, an innovative AI-powered non-bank lending platform, has successfully closed a rated securitization deal amounting to $350 million. This strategic move not only serves to strengthen Kiavi's position in the residential real estate market but also promises an additional funding capacity of up to $1.2 billion. This milestone is indicative of growing confidence among institutional investors in Kiavi's unique approach to real estate investment financing.

The announcement, made on February 19, 2026, highlights this transaction as Kiavi's sixth rated securitization and 24th under its proprietary LHOME shelf. This particular deal is notable for its impressive oversubscription rate—five times greater than its original capacity—attracting a diverse range of investors, including seven newcomers to the platform. The tranches of the offered notes were fully placed in various classes including A1, A2, M1, and M2, showcasing a robust backing from institutional investment firms.

According to Kiavi CEO Arvind Mohan, the overwhelming demand for this securitization reaffirms the market's belief in Kiavi's AI-driven platform. “This transaction unlocks over $1 billion in new liquidity, emphasizing our commitment to providing reliable capital, speed, and transparency to investors and builders,” Mohan stated. This successful funding mechanism will facilitate the purchase of newly originated loans, thereby enhancing the company's capability to support its market operations further.

This recent achievement follows a record-breaking year for Kiavi, during which the company originated $7.8 billion in loans. Despite the flat home sales reported by Redfin, Kiavi experienced a substantial 20% growth compared to the previous year. Additional notable accomplishments in 2025 included closing $1 billion in rated securitizations, an expansion into 17 new states, and achieving the milestone of funding over 100,000 loans to residential real estate investors.

Kiavi's platform is distinguished by its advanced technological solutions designed to streamline the financing process for real estate investments. Noteworthy product advancements consist of an After-Repair Value Cash-to-Close Estimator, which provides instant property evaluations to aid investors in determining their return on investment (ROI). Furthermore, the automated document review feature expedites document scrutiny, with AI systems extracting and validating critical borrower data.

The streamlined processes also encompass the AI Instant Scope of Work (SOW) upload, which automatically analyzes project documents and contractor bids, saving investors substantial time during loan applications. For enhanced user experience, Kiavi has expanded its mobile draws service, enabling investors to submit project photographs through a mobile app for draw fund access without needing traditional in-person inspections.

Moreover, Kiavi is unveiling a new construction financing platform that aims to provide tech-enhanced underwriting for redevelopment and new construction projects, thereby further solidifying its standing as a leader in the residential real estate financing landscape in the United States.

With a history of over $30 billion in funded loans, Kiavi continues to stand out among non-bank lenders, focusing on revamping the aging U.S. housing stock to facilitate the availability of move-in ready homes across the nation. As this platform evolves, the synergy between artificial intelligence and real estate financing paves the way for a more efficient and transparent capital marketplace, earning Kiavi both trust and praise from its clients and investors alike.

As Kiavi progresses, it reaffirms its dedication to allowing residential real estate investors to thrive through efficient access to capital, ensuring that the future holds even more potential and investment opportunities. To explore more about Kiavi and its offerings, interested parties can visit www.kiavi.com.