GOLD LENDER
Loan Close Time: < 10 days
Greenwich Funding is a direct private lender headquartered in Fairfield, New Jersey, offering rapid and dependable real estate financing. The company provides both short and long term lending options, including fix and flip, new construction, DSCR, and bridge loans.
Greenwich Funding’s solutions are built on construction and lending expertise, with an emphasis on fast closings, smooth draw processes, and value for investors.
Greenwich Funding highlights a smooth draw process across its programs, including 100% reimbursement on draws for fix and flip loans and 100% reimbursement on construction for new construction loans.
Fix & Flip Loan Terms:
Minimum Credit Score 660
Up to 70% of ARV
8 – 15% Interest Rate
0 – 2% Points
Up to 92.5% LTC
100% Reimbursement on Draws
New Construction (Ground-up):
Up to 70% of LTARV
9.99 – 16% Interest Rate
0 – 2% Points
Up to 70% of Purchase
100% Reimbursement on Construction

Greenwich Funding is located at 165 Passaic Ave, Suite 301-B, Fairfield, NJ 07004, and can be reached at (973) 720-0480 or info@greenwich-funding.com. The company publishes Terms of Service and a Privacy Policy on its website.
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.