Business Page
Perfecto Capital
Lender
4.9 stars
198 Reviews
Markets served
Nationwide
Except the following states:
Alaska
California
New York
North Dakota
South Dakota
About us
No matter what your strategy; Fix N Flip, BRRRR, etc., our goal is to provide the most flexible terms with the best service. We fund loans from $40K to $10MIL. WE CAN BE REACHED 7 DAYS A WEEK! We have an ENGLISH & SPANISH speaking team to assure our customers receive outstanding support. We believe relationships are of the utmost importance and we offer a wide repertoire of uniquely-tailored loans a lot of flexibility, especially to experienced investors who have completed 1 or more deals within the last 3 years with a credit of 640 and up. THERE ARE NO PREPAYMENT PENALTIES OF ANY KIND. We’ve invested in technology to provide faster outcomes and better results. Funds can be received AS QUICKLY AS 72 HOURS! Online application usually takes less than 5 minutes to complete. We use AI (artificial intelligence) among other tools for the fastest and most accurate project valuations in the market. **We do NOT do HELOC's on personal properties, CASH-OUT on investment properties only** **We do NOT lend on primary residences** We provide PROOF OF FUNDS LETTERS within the hour by asking JUST FOUR QUESTIONS! We do not have red tape and therefore have tremendous capacity to CUSTOMIZE LOANS to meet your needs. We can adjust closings as needed and have an exceptional REPUTATION FOR SAVING DEALS where other lenders dropped the ball. We operate on a common-sense basis and our open draw system is second to none. Flexibility, speed and white-glove service is what makes us stand out. Lastly, we provide direct and honest feedback at all times to our clients. We believe in clear communication and full transparency and we hold firm to our policy. WE HAVE 5-STAR REVIEWS ACROSS ALL PLATFORMS & PROFILES. Passion permeates every aspect of our business. Thank you for taking the time to read about us. We look forward to serving you.
Specialties
Hard/Private/Non-QM
Refinance (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Reviews (198)
4.9 stars
198 Reviews
4.9 stars
178 Reviews
5.0 stars
20 Reviews
5.0 stars
3 weeks ago
Reviewed by
Pierce English
Perfecto Capital is a wonderful company to work with. I have had the pleasure of working with the owners Lukas and Patty on multiple occasions and I can say without a shadow of a doubt that they are some of the most humble, intelligent and knowledgeable individuals I have come across. They have made it a point to establish and uphold key core values that EVERY one of their employees subscribes to and amplifies throughout every rung of their organization. I truly look forward to any and all future interactions with the team at Perfecto Capital.
5.0 stars
4 months ago
Reviewed by
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.
5.0 stars
3 months ago
Reviewed by
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.
5.0 stars
5 months ago
Reviewed by
Jason Salata
I want to take a minute to comment on my family's amazing experience with Perfecto Capital. I recently retired after 30-years in the military. A key part of transition into life as a civilian was ensuring that our investments and financial future were solid. There is uncertainty with any career transition, but after decades of moves in the Navy we felt we were starting from zero. We had saved money to put to work, but we needed the right partners we could trust to ensure our capital was protected. Enter Alex Russell and Perfecto Capitol. Alex expertly and confidently guided us to a group of very sound and lucrative loan investments. He took extra time to explain the benefits and risks, as well as a well informed, long-term outlook for the market we entered. It all worked just as Alex said. In an uncertain world, we have overwhelming confidence in Alex and Perfecto Capital and highly recommend them to anyone seeking this level of professional support for their current and future investments.
5.0 stars
7 months ago
Reviewed by
Gerald Castellon
My experience with Perfecto Capital was nothing short of exceptional! The entire team was incredibly helpful and responsive, always going the extra mile to answer my questions and address my concerns. This was by far the smoothest acquisition I've ever been involved in. Yamila and Alex were particularly outstanding in their communication and efficiency, ensuring that my paperwork was processed swiftly and that I was able to close within a remarkable ten-day window. I'm thrilled to have found such a reliable and capable partner in Perfecto Capital, and I look forward to many more successful deals together. Thank you, Perfecto Capital, for making this process so seamless and enjoyable!
5.0 stars
5 months ago
Reviewed by
Basya Roberts
Working with Yamila Perin and her team has been great for us at RicherValues . They always make sure their clients get the best service, just like they've shown us. Even though we're their valuation vendor, we can see how much they care about making their clients happy and keeping strong relationships. They do everything they can to give their clients what they need, and that helps us give them accurate valuation reports. Yamila and her team are really dedicated and working with them has been a positive experience for us.
5.0 stars
5 months ago
Reviewed by
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.
5.0 stars
4 months ago
Reviewed by
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.
5.0 stars
11 days ago
Reviewed by
Adrienne Kyle
I want to thank Alex and Yamila for helping me save an investment deal. We closed in 7 business days. We closed earlier than everyone expected. Their customer service is impeccable. I am a repeat customer and I look forward to our next transaction.
5.0 stars
11 days ago
Reviewed by
Maggie Gilheney
Very professional and excellent service! The team values their clients and makes sure to take care of all your needs.
5.0 stars
11 days ago
Reviewed by
Patricia Fonseca
Wonderful services, especially from our agent Yamila who was always available, responding all our questions and handled everything to close on time!
5.0 stars
11 days ago
Reviewed by
Account Closed
Very convenient online system, easy to use and knowledgeable staff like Yamila who made every transaction stress free.
5.0 stars
11 days ago
Reviewed by
Keith Henry
Yamilla at Perfecto Capital has great communication, will help me to analyze deals, and has helped me connect with other professionals and investors. As a new investor I greatly appreciate all of this!
5.0 stars
11 days ago
Reviewed by
Simeon Lashley
Perfecto is actually the 1st lender I ever worked with. They did a great job explaining how to calculate my numbers and how the process worked.
We've done 3 deals together now and they're one of the best. We closed on the last property in about 2 weeks start to finish.
Some other lenders like Lima One have taken over 6 weeks to close 😑.
Perfecto is the right lender to go with for a quick and smooth close.
5.0 stars
11 days ago
Reviewed by
Christina Gers
I got the best service from the entire team at perfecto capital, they kind, helpful and closing was smooth. Draw process is really good and efficient. thank you all!
5.0 stars
11 days ago
Reviewed by
Ana Hernandez
Awesome lender to work with!! Everyone at perfecto Capital have been very pleasant and helpful anytime I needed something or a question. They went out of their way to make sure my loan was approved and did things that they didn’t have to. I will continue working with them for all of my properties!
5.0 stars
11 days ago
Reviewed by
Betty Guiller
Excelente servicio a todos , gracias Yamila por estar pendiente en todo el proceso.
5.0 stars
11 days ago
Reviewed by
John Schell
I got the best service with Yamila, Colina and the team. First time doing a flip and I was lucky to find Perfecto Capital because guide me to the process to make me succeed.
5.0 stars
11 days ago
Reviewed by
Mike Williams
At Perfecto Capital I got the best service from the entire team.
This is the best hard money lender that I have worked with. From beginning to end, they make it easy, accessible and quick. I wouldn't want to go anywhere else.
5.0 stars
11 days ago
Reviewed by
Ed Romero
Thanks to all members on the team for helping me on the financing of my first investment property!
The perfecto team!
5.0 stars
11 days ago
Reviewed by
Lau Romero
The excellence on their service deserves so much than 5 stars 🌟.
Closing in less than 9 days with out missing a day giving us an update on the status of the loan application, working together towards and smoothly Closing is that what really impressed me.
The draw process is easy and they always on schedule.
I will keep recommending this amazing partnership to all of my colleagues.
They simply amazing 👏.
5.0 stars
11 days ago
Reviewed by
Johnathan Hust
I've used Perfecto Capital multiple times for my hard money loans and they are the best in the business.
Alex, is extremely knowledgeable and will breakdown the terms of the loan and how to properly evaluate the loan. Yamilla, will patiently explain the onboarding process and assist with any questions you might have. Colina, ensures your project stays on track by providing timely responses to your draw requests. In fact they have actually been too fast at times (LOL)!! And for all things in between Mayra will address any and all needs.
Needless to say the entire team at Perfecto Capital is superb and it would be an understatement to say all that stems from the tone at the top.
If you ever have the pleasure to speak with Lukas or Patty, you'll understand why Perfecto Capital is the best hard money lender! They are two of the most genuine and kind-hearted people you might ever meet. The passion, care and willingness they put into each relationship is unparalleled.
As an investor, it is prudent you have a great relationship with your lender and Perfecto Capital, is simply the best.
5.0 stars
11 days ago
Reviewed by
Jimmy Chen
I mostly work with Alex and Mayra. They are awesome and always help me out when i need them. In this business, it's about speed and they always move quick. Love them!
5.0 stars
11 days ago
Reviewed by
Carlos Flores
We’ve done a handful of deals together, they are always on top of everything and they will also make sure your clients are also taken care of. One stop shop to say the least, looking forward to closing many more with you guys!
5.0 stars
11 days ago
Reviewed by
David Silva
It was an amazing experience from beginning to end, I have done multiple deals with lending companies and always felt like they were doing me a favor (and they are, to a degree) and therefore I was to receive non friendly conversations while applying, with Perfecto capital It was completely different, it was like they work in my company and they have received orders from me to get this done, it was overwhelmingly friendly and easy, they made me feel like family. If there were more stars I will give them all.
5.0 stars
11 days ago
Reviewed by
Jason Nguyen
Perfecto Capital was great to work with. The team was super responsive and very easy to work with. They were clear on every point and if you stuck with anything they will find a solution and guide you through the right direction. Very experienced people in the team. They are actually flippers and understand every aspect of it. Highly recommend to any type of investors out there.
5.0 stars
11 days ago
Reviewed by
Joshua Sanborn
As many people know, breaking into real estate investing can be a scary endeavor. You don't know what you don't know, you've done everything you can to prepare yourself, and eventually, you take the plunge! You HOPE you can make a big profit (don't we all?), you hope that you MIGHT make 'some' profit, you understand it's possible to loose (some) money, you fear loosing a lot. In the case of my first property, I lost a lot! (but only at first) I am grateful to have had Perfecto Capital as my hard money lender! As a new investor with little to no experience they took a chance on me, my vision, and my first investment property. Let me tell you- the renovation did not go as planned! Luckily they set me up with Colina as my account rep. Throughout the length of the loan she was understanding, helpful and encouraging. In a time of such great uncertainty, she continued to instill a sense of confidence and understanding that allowed me stay focused as I moved forward. As a result, my partner and I were finally able to re-strategize the property, (after a year of job delays, poor workmanship, break-ins and vandalism with insurance claims on the house) and eventually turned it into a cash-flowing property. Once it stabilized, I spoke with Lukas. He was of the same mind as Colina! He made it clear that as a company their goal is to provide a "human touch" to the hard money industry. I can tell you first hand that those are not just words. Because of their helpfulness and understanding, I get to be one of those investors who started with a true dumpster fire house, and was able to use it as a springboard of success! I will be forever grateful that I was able to work with them, and will certainly continue growing with them in the future!
5.0 stars
11 days ago
Reviewed by
Eric Michiels
My experience with Perfecto Capital has been amazing. They have a great team and it's a great company to work with.
5.0 stars
11 days ago
Reviewed by
Adrienne Kyle
I want to thank Alex and Yamila for helping me save an investment deal. We closed in 7 business days. We closed earlier than everyone expected. Their customer service is impeccable. I am a repeat customer and I look forward to our next transaction.
5.0 stars
11 days ago
Reviewed by
Maggie Gilheney
Very professional and excellent service! The team values their clients and makes sure to take care of all your needs.
5.0 stars
11 days ago
Reviewed by
Patricia Fonseca
Wonderful services, especially from our agent Yamila who was always available, responding all our questions and handled everything to close on time!
5.0 stars
11 days ago
Reviewed by
Account Closed
Very convenient online system, easy to use and knowledgeable staff like Yamila who made every transaction stress free.
5.0 stars
11 days ago
Reviewed by
Keith Henry
Yamilla at Perfecto Capital has great communication, will help me to analyze deals, and has helped me connect with other professionals and investors. As a new investor I greatly appreciate all of this!
5.0 stars
11 days ago
Reviewed by
Simeon Lashley
Perfecto is actually the 1st lender I ever worked with. They did a great job explaining how to calculate my numbers and how the process worked.
We've done 3 deals together now and they're one of the best. We closed on the last property in about 2 weeks start to finish.
Some other lenders like Lima One have taken over 6 weeks to close 😑.
Perfecto is the right lender to go with for a quick and smooth close.
5.0 stars
11 days ago
Reviewed by
Christina Gers
I got the best service from the entire team at perfecto capital, they kind, helpful and closing was smooth. Draw process is really good and efficient. thank you all!
5.0 stars
11 days ago
Reviewed by
Ana Hernandez
Awesome lender to work with!! Everyone at perfecto Capital have been very pleasant and helpful anytime I needed something or a question. They went out of their way to make sure my loan was approved and did things that they didn’t have to. I will continue working with them for all of my properties!
5.0 stars
11 days ago
Reviewed by
Betty Guiller
Excelente servicio a todos , gracias Yamila por estar pendiente en todo el proceso.
5.0 stars
11 days ago
Reviewed by
John Schell
I got the best service with Yamila, Colina and the team. First time doing a flip and I was lucky to find Perfecto Capital because guide me to the process to make me succeed.
5.0 stars
11 days ago
Reviewed by
Mike Williams
At Perfecto Capital I got the best service from the entire team.
This is the best hard money lender that I have worked with. From beginning to end, they make it easy, accessible and quick. I wouldn't want to go anywhere else.
5.0 stars
11 days ago
Reviewed by
Ed Romero
Thanks to all members on the team for helping me on the financing of my first investment property!
The perfecto team!
5.0 stars
11 days ago
Reviewed by
Lau Romero
The excellence on their service deserves so much than 5 stars 🌟.
Closing in less than 9 days with out missing a day giving us an update on the status of the loan application, working together towards and smoothly Closing is that what really impressed me.
The draw process is easy and they always on schedule.
I will keep recommending this amazing partnership to all of my colleagues.
They simply amazing 👏.
5.0 stars
11 days ago
Reviewed by
Johnathan Hust
I've used Perfecto Capital multiple times for my hard money loans and they are the best in the business.
Alex, is extremely knowledgeable and will breakdown the terms of the loan and how to properly evaluate the loan. Yamilla, will patiently explain the onboarding process and assist with any questions you might have. Colina, ensures your project stays on track by providing timely responses to your draw requests. In fact they have actually been too fast at times (LOL)!! And for all things in between Mayra will address any and all needs.
Needless to say the entire team at Perfecto Capital is superb and it would be an understatement to say all that stems from the tone at the top.
If you ever have the pleasure to speak with Lukas or Patty, you'll understand why Perfecto Capital is the best hard money lender! They are two of the most genuine and kind-hearted people you might ever meet. The passion, care and willingness they put into each relationship is unparalleled.
As an investor, it is prudent you have a great relationship with your lender and Perfecto Capital, is simply the best.
5.0 stars
11 days ago
Reviewed by
Jimmy Chen
I mostly work with Alex and Mayra. They are awesome and always help me out when i need them. In this business, it's about speed and they always move quick. Love them!
5.0 stars
11 days ago
Reviewed by
Carlos Flores
We’ve done a handful of deals together, they are always on top of everything and they will also make sure your clients are also taken care of. One stop shop to say the least, looking forward to closing many more with you guys!
5.0 stars
11 days ago
Reviewed by
David Silva
It was an amazing experience from beginning to end, I have done multiple deals with lending companies and always felt like they were doing me a favor (and they are, to a degree) and therefore I was to receive non friendly conversations while applying, with Perfecto capital It was completely different, it was like they work in my company and they have received orders from me to get this done, it was overwhelmingly friendly and easy, they made me feel like family. If there were more stars I will give them all.
5.0 stars
11 days ago
Reviewed by
Jason Nguyen
Perfecto Capital was great to work with. The team was super responsive and very easy to work with. They were clear on every point and if you stuck with anything they will find a solution and guide you through the right direction. Very experienced people in the team. They are actually flippers and understand every aspect of it. Highly recommend to any type of investors out there.
5.0 stars
11 days ago
Reviewed by
Joshua Sanborn
As many people know, breaking into real estate investing can be a scary endeavor. You don't know what you don't know, you've done everything you can to prepare yourself, and eventually, you take the plunge! You HOPE you can make a big profit (don't we all?), you hope that you MIGHT make 'some' profit, you understand it's possible to loose (some) money, you fear loosing a lot. In the case of my first property, I lost a lot! (but only at first) I am grateful to have had Perfecto Capital as my hard money lender! As a new investor with little to no experience they took a chance on me, my vision, and my first investment property. Let me tell you- the renovation did not go as planned! Luckily they set me up with Colina as my account rep. Throughout the length of the loan she was understanding, helpful and encouraging. In a time of such great uncertainty, she continued to instill a sense of confidence and understanding that allowed me stay focused as I moved forward. As a result, my partner and I were finally able to re-strategize the property, (after a year of job delays, poor workmanship, break-ins and vandalism with insurance claims on the house) and eventually turned it into a cash-flowing property. Once it stabilized, I spoke with Lukas. He was of the same mind as Colina! He made it clear that as a company their goal is to provide a "human touch" to the hard money industry. I can tell you first hand that those are not just words. Because of their helpfulness and understanding, I get to be one of those investors who started with a true dumpster fire house, and was able to use it as a springboard of success! I will be forever grateful that I was able to work with them, and will certainly continue growing with them in the future!
5.0 stars
11 days ago
Reviewed by
Eric Michiels
My experience with Perfecto Capital has been amazing. They have a great team and it's a great company to work with.
5.0 stars
3 weeks ago
Reviewed by
Pierce English
Perfecto Capital is a wonderful company to work with. I have had the pleasure of working with the owners Lukas and Patty on multiple occasions and I can say without a shadow of a doubt that they are some of the most humble, intelligent and knowledgeable individuals I have come across. They have made it a point to establish and uphold key core values that EVERY one of their employees subscribes to and amplifies throughout every rung of their organization. I truly look forward to any and all future interactions with the team at Perfecto Capital.
5.0 stars
4 months ago
Reviewed by
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.
5.0 stars
3 months ago
Reviewed by
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.
5.0 stars
5 months ago
Reviewed by
Jason Salata
I want to take a minute to comment on my family's amazing experience with Perfecto Capital. I recently retired after 30-years in the military. A key part of transition into life as a civilian was ensuring that our investments and financial future were solid. There is uncertainty with any career transition, but after decades of moves in the Navy we felt we were starting from zero. We had saved money to put to work, but we needed the right partners we could trust to ensure our capital was protected. Enter Alex Russell and Perfecto Capitol. Alex expertly and confidently guided us to a group of very sound and lucrative loan investments. He took extra time to explain the benefits and risks, as well as a well informed, long-term outlook for the market we entered. It all worked just as Alex said. In an uncertain world, we have overwhelming confidence in Alex and Perfecto Capital and highly recommend them to anyone seeking this level of professional support for their current and future investments.
5.0 stars
7 months ago
Reviewed by
Gerald Castellon
My experience with Perfecto Capital was nothing short of exceptional! The entire team was incredibly helpful and responsive, always going the extra mile to answer my questions and address my concerns. This was by far the smoothest acquisition I've ever been involved in. Yamila and Alex were particularly outstanding in their communication and efficiency, ensuring that my paperwork was processed swiftly and that I was able to close within a remarkable ten-day window. I'm thrilled to have found such a reliable and capable partner in Perfecto Capital, and I look forward to many more successful deals together. Thank you, Perfecto Capital, for making this process so seamless and enjoyable!
5.0 stars
5 months ago
Reviewed by
Basya Roberts
Working with Yamila Perin and her team has been great for us at RicherValues . They always make sure their clients get the best service, just like they've shown us. Even though we're their valuation vendor, we can see how much they care about making their clients happy and keeping strong relationships. They do everything they can to give their clients what they need, and that helps us give them accurate valuation reports. Yamila and her team are really dedicated and working with them has been a positive experience for us.
5.0 stars
5 months ago
Reviewed by
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.
5.0 stars
4 months ago
Reviewed by
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.
