SILVER LENDER
DKC Lending offers hard money lending services to real estate investors in Florida and select markets across the country. We provide borrowers with personalized loan consultation services and funding. DKC is direct to lender which allows us to match the borrowers’ hard money loan needs with the best funding for their deal. Our real estate development experience allows us to offer our borrowers a unique partnership on every loan. We offer a high level of individual consulting, including review of deal analytics, rehab budgets, and deal viability.
DKC Lending also offers loan servicing for real estate investors. DKC has a proven track record of successful underwriting and brings an extensive real estate development background and expertise to help best guide borrowers on each unique transaction.
DKC Lending structures its new construction loans around builder-friendly draw schedules that feature up to seven draws, with interest-only payments during the build. Borrowers typically close once construction has begun, meaning plans are approved, permits are issued, materials are ordered, and the project has commenced.
DKC advertises fast funding turnaround on draws, but it does not publish a specific per-draw timeline or state whether inspections are physical or virtual, so both are worth confirming for a given project. Because new construction requires either builder experience or a licensed contractor partner, the draw process is geared toward active builders rather than first-time investors. On the front end, DKC can close a purchase as a cash offer in as little as three days, with cash closings generally in the three to ten day range. Investors on tight build schedules should confirm draw turnaround and inspection requirements directly.
DKC Lending is a Clearwater-based hard money lender serving Florida and select markets nationwide, offering fix and flip, new construction, refinance, and non-recourse loans.
• Fix and flip: up to 70% of the purchase price, with up to 50% financing for construction costs, on 1 to 2 year terms at 10% to 12% interest only.
• New construction: up to 100% of the construction cost, with separate financing available for land, on a typical 12-month term.
• New construction is for builders with experience, or borrowers partnering with a licensed contractor, on single-family and multifamily residential projects.
• Refinance and non-recourse loan options are also offered, with consultation fees of 2% to 4%.

DKC Lending, LLC is a hard money lender headquartered in Clearwater, Florida, in the Tampa Bay area, offering fix and flip, new construction, refinance, and non-recourse loans. It lends across Florida and select markets nationwide to real estate investors for real estate investment purposes.
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.