Flexible Loans for Real Estate Investors

Optimus Capital Inc. provides industry leading terms on business purpose financing and empowers real estate investors who are purchasing or refinancing their investments to scale appropriately.  By having a client focused approach, we strive to provide a transparent and simple process and provide confidence in your ability to close.  Having completed hundreds of transactions for real estate investors across the country, our team can navigate to the most beneficial funding terms based on your objectives and circumstances.

Available Loan Types

Fix and Flip Loans

We offer fix and flip loans up to 90% of the purchase and 100% of rehab. Draws are quick to keep your project on track. Close in 10 days or less.

Rental Portfolio Loans

Finance your portfolio with no limit on the number of properties included. Up to 30-year terms, loans based on the debt service and typically do not require tax returns.

Commercial Loans

We offer short and long term funding solutions for commercial purchases, refinances, and cash out financing.

Rental Loans

We offer non owner occupied single family properties 1 to 4 units long term loans. Our programs are nationwide. Up to 30 year fixed is available. We have solutions fixed for 3, 5, 7, or 10 years as well; all amortized over 30 years.

Construction Completion

With vast experience working with builders, Optimus Capital has developed a completed and mid construction loan. Refinance your model homes, pay off maturing debt, or cash out to start your next phase.

New Construction

We provide new construction financing for builders. Single lot or entire subdivisions, Optimus Capital can finance your next project up to 80% of cost.

Get Pre-approved for a Loan Now!

Our team is standing by to work on your pre-approval.

Who We Are

Optimus Capital Inc. is located in the Sacramento area in California specializing in niche lending solutions for all types of residential and commercial projects throughout the country.


Optimus Capital, Inc. offers fast and creative financing solutions for real estate investors, through private-money loans. While you build up your real estate portfolio. Whether it’s for wholesale, rehab, or ground up construction, Optimus Capital, Inc. delivers fast and easy access to necessary financing. Our success is based on the competitive loan programs and their “speed to market”. 

Based on the borrower’s track record and experience we can finance up to 90% of the project total cost. We can quickly and efficiently analyze your deal to make sure it fits within our criteria. Above all we offer a full service private money platform, that will help you through your entire deal from application to closing. We are here for you to succeed.

Why Choose Optimus Capital Inc?


We have excellent relationships with institutional level investors. We pass this savings on to you!


We understand that business moves fast. Once set up, close as quickly as five days. The more loans you complete with us, the quicker they close.


Our process is simple, with minimal documents. Dedication to our customers help us provide you with the best possible service!


Leverage our National Discount Program. A simple phone application generates an automatic coupon for more savings.

Satisfied Clients

Optimus Capital Inc. is fantastic! We have used them for several of our transactions and are by far the best. They are prompt, precise, detail oriented, and care about their clients. I would highly recommend them! We are extremely pleased!

Camila Optimus Capital Client
Satisfied Client - Texas
Working with Optimus Capital Inc. was one of the easiest and seamless experiences I have ever had. He was very informative and trustworthy, he definitely made me feel like we were his top priority. His expertise combined with his professionalism made the whole experience worry free and allowed me to continue on with my regular day to day business. We will use you again soon!
Aaron Locke
Real Estate Investor
Performance is very important. I can confidently say that Optimus Capital Inc. has always performed on their promises. I have obtained several loans myself and referred them to my clients, and can attest to quick closing and promised terms. They are second to none in my book!

Anthony Phillips Testimonial Optimus Capital home page
Anthony Phillips
Investor - Sacramento

Large Geographic Footprint

Currently we are able to assist with hard money loans in the following states: FL, TX, CA, TN, KY, KS, GA, SC, MA, CO, WA, IL, WI, AR, OK, AL, OH, OK, CT, MD, MI, MO, PA, VA, WV

We Look Forward to Hearing
About Your Project!

We Can Help With:

*Optimus Capital Inc. does not provide consumer or owner occupied loans.  Services are only provided on non-owner occupied, investment properties.


Optimus Capital Inc. Specializes in Lending Solutions for Various Types of Residential and Commercial Projects

11064 Fair Oaks Blvd, #200 Fair Oaks CA 95628

(916) 414-8878