Frequently Asked Questions

Answers to your loan questions

What are Optimus Financial loan minimums?
How is Optimus Financial different from my bank?
Do we end up paying more by working with Optimus Financial as our broker?
How does Optimus Financial choose its clients?
What lending sources does Optimus Financial typically fund through?
Answers to questions for first time borrowers...

Optimus Financial provides customized apartment financing and commercial real estate loan solutions for qualified commercial real estate investors. To find out if our broker services are a match for your financing needs, please read below or contact us directly.
 
Q. What are Optimus Financial's loan minimums/maximums?
Through our lending network of national, regional, and local financial institutions, Optimus provides access to capital ranging from $250,000 to $1 billion for a wide array of projects and purposes.
Q. How is Optimus Financial different from my bank?
At Optimus Financial, our two main goals in any transaction are to create a competitive and efficient environment that forces capital sources to compete for the borrower's loan and to manage the transaction workflow so the borrower can focus on their project.

Banks are often constrained by loan products and underwriting guidelines that don't necessarily fit the borrower's needs. Loan officers are incentivized to maximize profits while pushing as much of the risk as possible onto the borrower. Banks also force borrowers through a variety of hoops and typically provide only limited assistance managing transaction workflow.

Optimus Financial's approach is fundamentally different. Our fiduciary obligation is to you, the borrower. Since we are not limited by our affiliation with any one bank, we are able to present your loan to a broad spectrum of potential capital sources and secure the best terms and pricing that the market can offer. Equally important, Optimus Financial remains very much involved in the transaction, sharing the burden of collecting and processing information, coordinating third party reports and driving towards a smooth and successful close.
Q. Do we end up paying more by working with Optimus Financial?
No. Because Optimus Financial absorbs the cost of originating loans for the lender, we are able to negotiate direct pricing with most lending sources. As a result, borrowers typically incur no additional costs by engaging us to negotiate and manage their transaction. In addition, Optimus Financial saves its clients time and money by creating a competitive environment that forces the market to compete for the borrower's business. Ultimately, clients get all the cost benefits of a more effectively managed transaction without having to accept exorbitant spreads or large loan fees.
Q. How does Optimus Financial choose its clients?
At Optimus Financial, we pride ourselves on our unique approach to supporting client objectives. By choosing to engage a customer we are committing all of our resources to making their opportunity a success. Customers that work with us know that this often means going beyond the role of a typical advisor. Our clients are qualified on many of the same criteria that banks use in evaluating loans.
Q. Who are Optimus Financial's typical lending partners?
The goal at Optimus Financial is to add value to customer transactions by offering a wide range of financing alternatives and direct access to top national and local lenders. We have funded deals through agencies, life companies, conduits, and "out-of-the-box" lenders. In addition to permanent debt financing, we regularly structure transactions using high-leverage bridge loans, mezzanine debt, construction loans and straight equity.