Loan Close Time: 10-21 days
At PK Capital, our mission is to provide personalized, trustworthy lending solutions that empower individuals and businesses to reach their financial goals. Rooted in the discipline, precision, and teamwork we developed as former Clemson place kickers, we bring that same focus and commitment to every client we serve. As “Your team’s lending specialists,” we strive to be more than just a lender—we aim to be a reliable partner, offering expert guidance and competitive options tailored to each unique financial situation.
Ground-up construction loans cover up to 100% of construction costs, with draws managed through their lending process. No dedicated draw request portal or detailed disbursement steps are described on the site — borrowers would need to contact the team directly.
Ground Up:
Rate: 9.25%
Time to Close: 10 to 21 Days
Loan Amount: $300k to $5M
Term: 12–24 Months Interest Only
Leverage: 90% LTC
Fix n Flip:
Rate: 8.99%
Time to close: 10 to 21 Days
Loan Amount: $250k to $3M
Term: 12-24 Months Interest Only
Leverage: 92.5% LTC
Licensed — NMLS ID #2322964, headquartered in Greenville, SC. By submitting contact info, users consent to receive calls, texts, and emails for marketing purposes using automated systems; consent is not required to obtain a loan and can be revoked at any time by contacting info@pk-team.com. Message and data rates may apply.
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.