Principal-led financing from $1M to $20M+ for ground-up construction, bridge, RTL, recapitalization, and DSCR/Non-QM requests. Underwritten in-house against collateral, basis, scope or budget, title, timing, and exit.
Submit a dealCredit decisions sit with the principals — no committees, no bank timelines.
Draws, budgets, and ground-up risk are underwritten directly. We evaluate the project, not just the sponsor's balance sheet.
Terms, reporting, and draw administration built for sponsors who close more than once.
Our own credit facility and in-house decisions mean a roughly two-week close — a straight path from term sheet to funding.
Every request is reviewed through the project file: scope, draw schedule, collateral, takeout path, and sponsor execution history.
Representative public transactions. Leverage, construction budget, and ARV as published or underwritten at origination. Sponsor identities withheld; linework is abstracted from the credit-file proof system until approved source assets are attached. View public transaction archive.
Financing for new construction from site through completion, with disciplined draw administration.
Capital for commercial and mixed-use projects led by experienced sponsors.
Flexible short-term capital for projects in progress or awaiting takeout.
Recapitalization and refinance for completed or stabilizing assets.
Business-purpose residential transition financing for acquisition, renovation, completion, sale, refinance, or DSCR takeout.
Business-purpose mortgage financing — DSCR and bank-statement programs for residential investors outside conventional agency guidelines.
Lender, correspondent, co-lending, takeout, and loan-acquisition conversations around construction, bridge, RTL, DSCR, and special-situation credit.
Complex structures and compressed timelines are where the platform performs best.
Submit a dealRelated pages: construction and bridge · ground-up construction · RTL financing · bridge financing · DSCR investor loans · capital partners.
Indicative only — not a quote or commitment to lend. Thresholds shown are indicative and finalized per program.
Since 2021, Optimal Lending has originated more than $319.3M across construction, bridge, RTL, recapitalization, and investor-credit transactions in California, Hawaii, and select markets nationally - 161 transactions alongside capital partners.
Deal by deal, we learned what makes a file close, and what makes one stall.
Today we fund directly and through a network of long-standing capital partners. We finance sponsors directly and work with brokers, correspondents, and lender partners when the file fits construction, bridge, RTL, DSCR/Non-QM, or special-situation credit.
Start a conversationA decade in real estate credit. Oversees underwriting, structuring, and the firm's capital relationships.
Leads origination and the firm's Non-QM platform.
Corporate operations and administration.
Loan operations and closing management.