Business Page
Perfecto Capital
Lender
4.9 stars
212 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
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)
Reviews (212)
4.9 stars
212 Reviews
4.9 stars
192 Reviews
5.0 stars
20 Reviews
5.0 stars
2 weeks ago
Reviewed by
Sean Ade
Josette as well as the team at Perfecto Capital are incredible. Highly recommend working with them!
5.0 stars
2 weeks ago
Reviewed by
Clayton Driggs
Perfecto Capital is very professional and personable. Sabrina Pancarbo was very informative, prompt to return calls and emails, and addressed any concerns I had along to way. Felt like doing business with friends.
5.0 stars
3 weeks ago
Reviewed by
William Harris
Amazing Customer Support and Customer Service!!! Josette and Bryan worked with me from start to finish in what I would call record time to assist me.
I'm not a paid spokesman, but to anyone in the industry searching for a Trusted and thorough Lender, look no further than Perfecto Capital!!!
I thought this level of service was past, but they have shown that good people are still doing good business.
Thanks again!
5.0 stars
a month ago
Reviewed by
Erik Cooper
I just wrapped up a deal and Perfecto Capital was, hands-down, the smoothest part of the entire project. From my first inquiry to funding, every step was clear, quick, and professional.
Streamlined process: The online application wasn't difficult, document requests were straightforward, and underwriting kept me updated the whole way.
Speed: We went from approved term sheet to money wired in less than 10 days—exactly what my timeline demanded.
Communication: No phone-tree headaches; I had a single point of contact, my account exec Josette, who answered calls and emails the same day.
Flexibility: They structured interest-only draws that matched my project’s cash flow, saving me thousands in carry costs.
Professional team: Friendly, knowledgeable, and genuinely interested in helping me succeed—not just closing a loan.
If you need reliable, responsive funding for real-estate or business projects, I highly recommend Perfecto Capital. I’ll definitely be back for my next deal.
5.0 stars
2 months ago
Reviewed by
MNMP Partners LLC
Perfect Perfecto!
Fantastic experience in Perfecto Capital! It was my first time dealing with them and we were able to create a mutually beneficial relationship which will last, I am sure, a long time.
From the initial contact to the closing all in 3 weeks! Lucas and Josette are a pleasure to do business with.
5.0 stars
5 months ago
Reviewed by
Chuck Roberts
I was really impressed with Lukas, Patty and this company!! I had a really cool deal and had to get it closed fast. I called Lukas on a Monday, he told me we were good to go on that Wednesday and we closed on Friday.
I spoke to at least 20 other lenders that said they could close that fast only to find out they really couldn’t for one reason or another.
Lukas said what he could do and did what he said.
It was very refreshing to get to work with someone that actually hits their target objectives on time. It was phenomenal!
Thank you!!
5.0 stars
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year ago
Reviewed by
Betty Guiller
Excelente servicio a todos , gracias Yamila por estar pendiente en todo el proceso.
5.0 stars
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
a year 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
Edited 2 weeks ago
Reviewed by
Dariel
I am a repeat Perfecto Capital borrower, with four closed loans thus far. The team is knowledgable, personable, and professional. Special kudos to Sabrina and Hermes for promptly dispatching inspections and managing fund requests. In addition, Floyd has been a great asset when found in need of immediate assistance with deal closing.
5.0 stars
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year ago
Reviewed by
Betty Guiller
Excelente servicio a todos , gracias Yamila por estar pendiente en todo el proceso.
5.0 stars
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
about 1 year 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
2 weeks ago
Reviewed by
Sean Ade
Josette as well as the team at Perfecto Capital are incredible. Highly recommend working with them!
5.0 stars
2 weeks ago
Reviewed by
Clayton Driggs
Perfecto Capital is very professional and personable. Sabrina Pancarbo was very informative, prompt to return calls and emails, and addressed any concerns I had along to way. Felt like doing business with friends.
5.0 stars
3 weeks ago
Reviewed by
William Harris
Amazing Customer Support and Customer Service!!! Josette and Bryan worked with me from start to finish in what I would call record time to assist me.
I'm not a paid spokesman, but to anyone in the industry searching for a Trusted and thorough Lender, look no further than Perfecto Capital!!!
I thought this level of service was past, but they have shown that good people are still doing good business.
Thanks again!
5.0 stars
a month ago
Reviewed by
Erik Cooper
I just wrapped up a deal and Perfecto Capital was, hands-down, the smoothest part of the entire project. From my first inquiry to funding, every step was clear, quick, and professional.
Streamlined process: The online application wasn't difficult, document requests were straightforward, and underwriting kept me updated the whole way.
Speed: We went from approved term sheet to money wired in less than 10 days—exactly what my timeline demanded.
Communication: No phone-tree headaches; I had a single point of contact, my account exec Josette, who answered calls and emails the same day.
Flexibility: They structured interest-only draws that matched my project’s cash flow, saving me thousands in carry costs.
Professional team: Friendly, knowledgeable, and genuinely interested in helping me succeed—not just closing a loan.
If you need reliable, responsive funding for real-estate or business projects, I highly recommend Perfecto Capital. I’ll definitely be back for my next deal.
5.0 stars
2 months ago
Reviewed by
MNMP Partners LLC
Perfect Perfecto!
Fantastic experience in Perfecto Capital! It was my first time dealing with them and we were able to create a mutually beneficial relationship which will last, I am sure, a long time.
From the initial contact to the closing all in 3 weeks! Lucas and Josette are a pleasure to do business with.
5.0 stars
5 months ago
Reviewed by
Chuck Roberts
I was really impressed with Lukas, Patty and this company!! I had a really cool deal and had to get it closed fast. I called Lukas on a Monday, he told me we were good to go on that Wednesday and we closed on Friday.
I spoke to at least 20 other lenders that said they could close that fast only to find out they really couldn’t for one reason or another.
Lukas said what he could do and did what he said.
It was very refreshing to get to work with someone that actually hits their target objectives on time. It was phenomenal!
Thank you!!
5.0 stars
a year 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
Edited 2 weeks ago
Reviewed by
Dariel
I am a repeat Perfecto Capital borrower, with four closed loans thus far. The team is knowledgable, personable, and professional. Special kudos to Sabrina and Hermes for promptly dispatching inspections and managing fund requests. In addition, Floyd has been a great asset when found in need of immediate assistance with deal closing.
