Last updated: June 17, 2026
Acceptance
By using this website, you agree to these Terms of Use. If you do not agree, do not use the website or submit information through it.
No commitment to lend
Website content, calculators, transaction examples, product descriptions, and form responses are for informational purposes only. They are not a quote, approval, commitment to lend, offer to extend credit, or guarantee of terms. All loans are subject to underwriting, credit approval, documentation, licensing, investor or capital-partner requirements, and final executed agreements.
Licensing and product availability
Optimal Lending lends or arranges financing only where licensed or where a license is not required. Product availability, eligibility, rates, fees, leverage, terms, and closing timelines vary by transaction, borrower, property, state, and capital source.
Business-purpose and consumer requests
Private-credit materials on this website generally describe business-purpose real estate financing. Some mortgage products may be subject to additional consumer lending rules and disclosures. Submitting a form does not create a lender-borrower relationship or obligate Optimal Lending to provide any product.
Calculators and published figures
Calculators are indicative tools only and may use simplified assumptions. Published funded figures and representative transactions may include loans originated or arranged alongside capital partners and may reflect information available at origination. Transaction data is redacted and may be rounded or summarized for marketing use.
Submissions
You are responsible for the accuracy of information you submit. Do not submit information you are not authorized to share. Do not send sensitive documents, borrower signatures, tax returns, bank statements, IDs, title files, permits, raw plans, or other confidential materials through general website forms unless we provide a secure upload path.
Intellectual property
The website, copy, design, marks, transaction presentation, and related materials are owned by or licensed to Optimal Lending. You may not copy, scrape, republish, or use them for commercial purposes without written permission.
Third-party services
The website may use third-party hosting, analytics, communication, or workflow services. We are not responsible for third-party websites or services linked from or integrated with this website.
Limitation of liability
To the maximum extent permitted by law, Optimal Lending is not liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from use of the website or reliance on website content.
Changes
We may update these terms from time to time. Continued use of the website after changes are posted means you accept the updated terms.
Contact
Optimal Lending Inc.
NMLS #2483232
DRE Broker #02212555
DRE Corporate #02221124
info@optlending.com
(213) 616-9060