Principal-led financing from $1M to $20M+ for ground-up construction, bridge, and recapitalization requests. Underwritten in-house against the collateral, budget, title, and exit path.
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; public cards remain text-only until real redacted source assets are approved. 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 mortgage financing — DSCR and bank-statement programs for residential investors outside conventional agency guidelines.
Complex structures and compressed timelines are where the platform performs best.
Submit a dealIndicative only — not a quote or commitment to lend. Thresholds shown are indicative and finalized per program.
Since 2021, Optimal Lending has originated more than $309.4M of construction and bridge financing across California, Hawaii, and select markets nationally - 154 transactions alongside capital partners.
Deal by deal, we learned exactly what makes a construction loan close, and what makes one stall.
Today we lend through dedicated credit facilities and long-standing capital relationships. We finance ground-up and commercial projects for experienced sponsors with principal-led decisions, construction fluency, and focused execution.
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.