Let’s build your empire

Perfecto Capital® Is The Leading Hard Money Lender For Real Estate Investors.

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Loan Programs

Perfecto Capital offers a variety of loan programs tailored to meet the needs of real estate investors. These include:

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Fix N Flip

For those looking to acquire and renovate an investment property in order to sell for profit.



For those seeking funding to purchase, renovate and hold a property for cash-flow.

Ground Up

Finance your new construction projects with our specialized ground up construction loans.


Benefit from our flexible DSCR requirements to qualify more easily for financing.

Cash Out

For those who own an investment property and desire to quickly leverage the property's equity.

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Bridge Loans

For those who either need quick execution, cannot fully qualify for a traditional loan or desire short term "bridge" financing.

Why choose perfecto capital?

Hard money lender Perfecto Capital believes passion and work are interlinked, and our team is our greatest asset. We are committed to helping you succeed and we strive towards this goal by delivering exceptional customer service, competitive pricing and first-rate execution. Our local hard money loan programs for real estate investors are tailored to your unique project needs. Perfecto capital is the leading hard money lender to local real estate investors. Our hard money lenders are with you every step of the way so that you can make your real estate investment dreams a reality.

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Loan products for every strategy

Ready to help you with the industry’s best suite of loan options, for every investment strategy.

Fast, Simple, Reliable

Our team of experts will get you to the closing table fast, with a process that is simple and reliable.


Your partner from beginning to end

Ready to help you with the industry’s best suite of loan options, for every investment strategy.

Being a trusted partner from beginning to end is what has made us the premier lender for real estate investors for over a decade. Come discover the lima one difference today!

Based on 171 reviews
Horatio Williams
Horatio Williams
I recently had the pleasure of working with Perfecto Capital, and I must say, the experience exceeded all my expectations. Colina, my account manager, went above and beyond to ensure my needs were met. She was exceptionally responsive, knowledgeable, and personable throughout the entire process. Her dedication and expertise made navigating hard money lending a breeze. Perfecto Capital as a whole demonstrated efficiency and reliability, with competitive rates and flexibility. I highly recommend Perfecto Capital, especially with Colina's exceptional service.
Zachary Boelkow
Zachary Boelkow
From the moment I started working with Alex Russell and his team, it was clear that their dedication to client satisfaction is unparalleled. Their 'bend over backwards' approach isn't just talk; they truly walk the walk, offering personalized, empathetic service that makes you feel valued and understood. As a team, they emphasize long-term relationships, and it shows in every interaction. Their commitment to excellence is evident, and it's why I'm more than happy to leave a 5-star review. Keep up the fantastic work, Alex and team – your efforts don't just meet the mark; they set it. ~Zac
Ben Becton
Ben Becton
This lending company and the team there is incredible. Whether you are a new or seasoned investor you will benefit greatly from partnering with Perfecto Capital. These guys deal in factual information and do not make promises they cannot honor. They have been able to close every deal I sent them so far including multiple flips and ground up construction with no stress like you experience with many other lenders. The team there is extremely friendly and they always answer the phone after hours. Carmen has been incredible as my direct point of contact and as my processor and always makes sure to followup and remind me of anything they need from me to stay on track and always goes the extra mile to make sure closings happen on time. Alex has been awesome as a closer and has coordinated all of my insurance quotes and handled all of the title company communications so that all I have to do is show up and sign on the day of closing. If you are looking for a company who you can grow your investment business with long term and always rely on, then Perfecto Capital is the best option by far. I say this after having experience with numerous other lenders around the county. Additionally, I have had numerous interactions with the founding partners / managers and they are actively involved in the business and ensure their clients are happy and taken care of. The draw process us also super smooth and they pay on time without overanalyzing every detail. This is critical, since capital management and cashflow is important for any successful real estate investor.
Clayton Driggs
Clayton Driggs
Perfecto Capital worked with me on my first investment reno project and Carmen Carrazana and Alex Russell were very helpful and efficient in providing solutions for me to close this project. They took the necessary time to explain my options and they helped me select the best financial approach for my project. Thank you guys.
Mitch Salzman
Mitch Salzman
I was looking for a low risk/high return opportunity while receiving a monthly distribution. Thankfully I found Perfecto Capital. I have been working with them for about 8 years. I had a great experience working with their Investment Manager Alex Russell who was spot on with everything. I have done over 20 loans and it is always top notch. They are transparent every step of the way and the process is quick and easy. I highly recommend Perfecto Capital and look forward to doing many more investments with them.
LA Perkins
LA Perkins
Lukas Samuels of Perfecto Capital is top notch! He is committed to excellence, professional and genuine. If you need a hard money loan for real estate or you are interested in reliable investment opportunities, I highly recommend Perfecto Capital.

Beyond a Real Estate Lender

Achieving success in real estate investment requires a team of dedicated professionals working in unison towards a common goal. At Perfecto Capital, we pride ourselves on being a dependable and integral part of our clients’ lives, committed to helping them reach their investment objectives. From the first conversation to the final payment, we stand with you every step of the way to build your empire.

$40K to $10M

Loan Range


Repeat Clients

"We are not in the lending business, we are in the trust and relationship business."

You find the deals and we'll fund them™