BRONZE LENDER
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As a direct hard money lender, we fuel real estate growth by putting clients before profits, providing funding with integrity, and striving to become the nation’s most trusted private lender.
Capital Prime Lending offers ground-up construction and fix and flip loans, which run on draws. On its ground-up construction program, Capital Prime says it assigns a designated team member to handle a borrower’s draw requests, which points to a single point of contact rather than a call center. Beyond that, Capital Prime does not publish the draw request steps, the inspection method (physical or virtual), a per-draw turnaround, or a draw schedule, and it does not publish a firm closing timeline.
Its positioning is speed and flexibility through asset-based underwriting, with the specific draw mechanics handled case by case. Investors building or renovating with Capital Prime should confirm the draw process, inspection requirements, and funding turnaround directly before closing.
Capital Prime Lending is a Miami-based hard money lender offering fix and flip, ground-up construction, bridge, DSCR, and multifamily loans, with asset-based underwriting that weighs the property and exit plan over conventional credit and income.
• Fix and flip and ground-up construction loans for investors renovating or building, funded on the deal’s merits and exit plan.
• Bridge loans to acquire quickly or transition to permanent financing, and DSCR loans for long-term rental holds.
• Multifamily financing for larger residential assets.
• The firm markets fast funding for scenarios like sub-600 credit, non-income (unleased) property, borrowers without traditional income documentation, and foreign investors.
• Capital Prime does not publish leverage figures (LTC, LTV, or ARV) or a closing timeline on its site, so investors should request a quote for program specifics.

Capital Prime Lending, LLC is a nationwide direct private lender headquartered in Miami, Florida, offering fix and flip, ground-up construction, bridge, DSCR, and multifamily loans to real estate investors for real estate investment purposes. The company is a member of the American Association of Private Lenders (AAPL) and operates under NMLS ID 2610803.
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.