Private Credit ยท Construction + Bridge

Construction and bridge financing for experienced sponsors.

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.

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Credit Box
Request size
Typically $1M-$20M+
Products
Ground-up construction, bridge, recapitalization
Review
Plans, budget, title, collateral, exit
Track record
$309.4M originated since inception, as of June 2026
When To Send

Live requests, compressed timelines, real collateral.

Optimal Lending reviews sponsor-led construction, bridge, and recapitalization requests where timing, collateral, basis, construction budget, or takeout path requires principal attention.

Ground-Up

Plans and budget ready

New construction or completion capital where the plan set, budget, draw schedule, and exit can be reviewed together.

Bridge

Time-sensitive execution

Short-term capital for acquisitions, payoffs, construction-in-progress, or refinance timing gaps.

Recap

Basis and exit matter

Capital for completed or stabilizing assets where leverage, payoff, and takeout path drive the decision.

How We Review

The deal file drives the answer.

CollateralMarket, asset type, as-is value, completion value, and title position.
ConstructionPlan set, budget, draw schedule, permits, completion status, and sponsor execution history.
Capital StackPayoff, basis, requested loan amount, cash-in, cost-to-complete, and reserves.
ExitSale, refinance, stabilization, rental income, takeout lender, or borrower liquidity.
Answers

Common questions.

Does Optimal Lending finance ground-up construction?

Yes. We review residential, mixed-use, and commercial construction requests for experienced sponsors, subject to collateral, budget, title, and exit review.

What loan sizes does Optimal Lending consider?

Typical requests range from $1M to $20M+, with final sizing determined by the transaction, collateral, capital stack, and underwriting.

Can brokers submit scenarios?

Yes. Brokers and capital partners can submit a concise scenario with collateral, request size, use of proceeds, timing, and current status.

Next Step

Send the scenario.

Include collateral, request size, use of proceeds, capital stack, timing, and exit. We will respond with the appropriate next diligence path.

Submit a deal