GOLD LENDER
ARV Finance is a San Diego-based hard money lender serving fix-and-flip real estate investors, describing itself as a lending partner to premier real estate investors and as built by investors, for investors. The company was founded by Neil Dutta, co-founder of Apollo Realty Investments, which was one of the largest fix and flip operators in San Diego. Having completed hundreds of renovation projects, Dutta built ARV Finance to partner with high-volume operators navigating the changing landscape of residential investing.
Beyond lending, ARV Finance positions itself as a growth partner. It offers investors access to its ARV Mastermind community and guidance across acquisitions, operations, and construction, with the goal of helping borrowers increase deal flow and improve construction quality, pricing, and timelines. The company is based in La Jolla, California.
ARV Finance highlights fast rehab draws as a core advantage. The company releases rehab draws in 24 hours, which it contrasts with the roughly week-long turnaround borrowers report from many other lenders. Built by active investors, ARV Finance structures its process around keeping high-volume fix-and-flip projects moving.
ARV Finance provides hard money loans for residential fix-and-flip investors, paired with hands-on support across acquisitions, operations, and construction for high-volume operators.

ARV Finance Inc. arranges business-purpose loans. Loans are for business purposes only and not for personal, family, or household use. Nothing represented on its website is a commitment to lend, and all loans must satisfy the lender’s underwriting guidelines and due diligence. Loan amounts, interest rates, and costs are for informational purposes only and are subject to change without notice at the lender’s discretion until a definitive agreement is executed.
ARV Finance Inc. operates under California Financing Law license CFL #60DBO-208416 and is located at 737 Pearl St. #208, La Jolla, CA 92037.
Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.