SILVER LENDER
There is no shortage of lenders out there, but what is rare are lenders who are also investors. That’s Lockgate Capital. A Lender with an investor mindset. And as real estate investors ourselves, we are intimately familiar with the shortcomings of traditional financing options. Slow approvals, low to no flexibility, high interest rates, never-ending paperwork, and needless complexity all make a stressful undertaking even more stressful.
Today, Lockgate Capital is the private lender we wish we had access to before becoming lenders ourselves. We are reimagining real estate investment loans from the foundation up, with fast approvals, transparent terms, competitive interest rates, and – most importantly – flexible solutions that treat you like a human, not an application.
From short-term bridge loans to long-term rental and renovation financing, Lockgate is your trusted private financial partner. Let’s work together to craft the bespoke, flexible loan terms you need to get your construction project off the ground and into the closing phase asap.
As one of the industry’s leading private real estate lenders, we have funded thousands of real estate investment loans and counting, and we’re ready to make your project our next success story.
Lockgate Capital advertises renovation funding approved and funded in days, not weeks or months, and it offers up to 100% construction cost financing on its fix and flip and ground-up loans. Because the draw mechanics are not documented, rehab and construction investors who need a predictable draw turnaround should confirm the process, inspection requirements, and funding speed directly with Lockgate before closing. The clearest published figure is the up to 100% construction cost financing.
Lockgate Capital is a private real estate lender offering DSCR, bridge, fix and flip (renovation), and ground-up construction loans on non-owner-occupied investment property, with loans from $75,000 to $3M.
• Fix and flip and ground-up construction: up to 100% of construction cost financing, confirmed on Lockgate’s own program pages.
• Bridge loans that accept property in any condition, with approvals often the same day you apply.
• An investor refinance product with an 80% advance (20% down), plus long-term rental (DSCR) financing.
• Lockgate lends on non-owner-occupied investment property only, with a 660 minimum credit score, across a published map of roughly 24 states in the Midwest, Southeast, and mid-Atlantic.

Lockgate Capital is a private real estate investment lender offering DSCR, bridge, fix and flip, ground-up construction, and rental loans on non-owner-occupied investment property to real estate investors for real estate investment purposes. Its published coverage map lists roughly 24 states across the Midwest, Southeast, and mid-Atlantic. It does not publish a legal entity name, headquarters, or NMLS number on its site.
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.