Loan Close Time: 2-3 days
At Optimus Capital, our mission is to simplify and accelerate real estate investing through tailored funding strategies. Whether you’re acquiring, refinancing, or expanding your portfolio, we’re here to help you succeed – smarter, faster, nationwide.
Rehab and construction funds are disbursed via a rapid draw process tied to project milestones. New construction loans cover up to 80% of total costs, and construction completion loans are available for mid-construction or model home refinancing. Borrowers manage draws through an online portal.
Fix n Flip: Optimus Capital is able to keep our Fix and Flip lending programs affordable. We proudly serve investors seeking Fix and Flip Loans real estate markets rely on for fast, flexible funding. These savings are passed on to you in the form of cheaper interest rates and fees. Our aim is that you would return to us for the financing of your rental property portfolio and new construction projects.
New Construction: Optimus Capital provides new construction loans for real estate investors. For our real estate investor clients, we provide a variety of land and new construction loans.
Licensed in California (Finance Lenders Law Lic. #60DBO-161243; DRE #01979668). Loans are for business purposes only. Not an offer to lend — all financing is subject to credit evaluation and underwriting approval. Rates, terms, and conditions are subject to change without notice and may vary by borrower qualifications, geography, and property type.
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.