Loan Close Time: 5-7 business days
LoanLocker is Tampa, Florida based direct private lender that has access to discretionary capital to control the process and ensure reliable and fast funding. What started out with a few investors funding projects for their local contacts has grown into a lending platform operating in multiple states. LoanLocker is a subsidiary company to The Requity Group, a vertically integrated real estate investment and operations platform. Having significant transaction, construction, and property management experience, we know how important it is to have timely and reliable access to capital.
At LoanLocker, we do more than just fund deals, we partner in your progress. Our approach is relationship-driven and performance-focused. We invest the time to understand your business model, capital stack, and long-term objectives so that every transaction fits into a bigger strategy.
Our proprietary systems and streamlined processes allow us to:
Deliver rapid quotes and pre-approvals, often within 24 hours.
Provide transparent term sheets and direct communication with decision-makers.
Offer creative deal structures that traditional lenders can’t match.
Align our success with yours through an entrepreneurial, service-first culture.
Fix-n-Flip:
We specialize in private loans to residential rehab projects.
Multifamily:
We will finance small-medium multifamily.
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.