BRONZE LENDER
Loan Close Time: 5 days
We’re different, and we know it. Black Label Capital is a true hybrid lender. In 2018, BLC was formed so we could lend our own funds on the side while we were doing fix and flips. It was not a business for us. We quickly realized our passion for lending and turned it into what it is today. To this day, we still lend our own personal capital alongside our investors. This is a rare thing for most “hard money lenders”. Since we personally have something to lose in every deal, this ensures that we are not just funding loans to fund loans. We fund real opportunities and deals we believe in. Would you put your money into a deal if you didn’t believe in it?
We are investors at our core. With a background in fix and flips, we understand your needs. We’ve crafted our credit boxes to provide you with every loan product you could need, from renovation loans, to new construction and 30 year rentals to help you build your portfolio as you navigate the BRRRR process. There’s literally no other reason to shop the competition. We are the only lender to offer both down payment options and 100% financing for renovation and new construction loans. Whether you want to keep cash in your pocket or throw some money into the deal, we’ve got you covered. You tell us your needs, and we’ll provide a custom option designed specifically for you.
A “true lending partner” is not just a catch phrase. It’s how we operate. Partner with us and let’s grow together.

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.