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Optiolend saves borrowers an average of 80 basis points by reinventing how lenders and borrowers connect.
In our first 6 months, Optiolend has received loan applications totaling over half a billion dollars.
The founding team has previously built and operated two multi-million dollar real estate technology companies in the last decade.
In real estate, the cost of unfavorable loan terms can determine the overall outcome of an investment. Despite the thousands of lenders out there, the average commercial real estate borrower only has 2.5 lending relationships.
At OptioLend, we specifically focused on solving the access problem by creating a platform connecting commercial real estate borrowers to over 5,000 lenders.
We provide an efficient and economical option for the end user. With our proprietary algorithm and data driven approach, OptioLend can match borrowers and lenders with tremendous accuracy.
We designed a simple, efficient process to connect borrowers and lenders:
1. Borrowers submit one streamlined loan application.
Read a selection of testimonials from our many satisfied customers here:
*This testimonial may not be representative of the experience of other customers and is not a guarantee of future performance or success
In the last ten years, the volume of commercial real estate transactions completed in the United States has grown from $145 billion to $643 billion.
In the last 24 months over 5 million transactions have taken place with an average sale price of $874,903.
Similar to other marketplace lending platforms such as Lendio and Lendingtree, OptioLend is uniquely positioned to take meaningful market share in our $643 billion industry.
What sets us apart is that we have the team that can pull it off. Our leadership has built technology companies valued in the hundreds of millions, guided four meaningful exits, and raised from some of Silicon Valley’s top VCs.
With our proprietary algorithm and over $500 million in loan value currently in our underwriting process, we are ready to grow.
OptioLend is an online marketplace that connects commercial real estate borrowers with a community of over 5,000 lenders. Our proprietary AI driven algorithm provides a simple, efficient process for borrowers to find the perfect financing for their individual needs.
Prior to launching CCP, Rick was one of the top investment specialists in the Midwest for Marcus and Millichap.
Rick is an active investor and advisor in several real estate technology startups.
CTO, CFO, Secretary, and Director
Edward has an extensive background in developing and implementing marketing plans as well as direct advertising campaigns. He specializes in structuring Joint Ventures and Partnerships. He has a Bachelor of Science Degree with a focus in marketing from Stevenson University, Maryland, formerly Villa Julie College.
Maximum Number of Shares Offered subject to adjustment for bonus shares
*Maximum number of shares offered subject to adjustment for bonus shares. See Bonus info below.
Friends and Family: Invest within the first 72 hours and receive 15% bonus shares.
Super Early Bird: Invest within the next 72 hours and receive 10% bonus shares.
Early Bird Bonus: Invest within the next 7 days and receive 5% bonus shares.
Invest $500 or more and receive 3% bonus shares + 10% off of any fee incurred when using Optiolend.
Invest $1,000 or more and receive 5% bonus shares + 15% off of any fee incurred when using Optiolend.
Invest $5,000 or more and receive 15% bonus shares + 20% off of any fee incurred when using Optiolend.
Invest $10,000 or more and receive 20% bonus shares + 30% off of any fee incurred when using Optiolend.
Invest $25,000 or more and receive 25% bonus shares + 40% off of any fee incurred when using Optiolend.
Invest $50,000 or more and receive 30% bonus shares + 50% off of any fee incurred when using Optiolend.
*All perks occur when the offering is completed.
OptioLend, Inc. will offer 10% additional bonus shares for all investments that are committed by investors that are eligible for the StartEngine Crowdfunding Inc. OWNer's bonus.
This means eligible StartEngine shareholders will receive a 10% bonus for any shares they purchase in this offering. For example, if you buy 100 shares of Common Stock at $5.00 / share, you will receive 10 additional shares, meaning you'll own 110 shares for $500. Fractional shares will not be distributed and share bonuses will be determined by rounding down to the nearest whole share.
This 10% Bonus is only valid during the investor's eligibility period. Investors eligible for this bonus will also have priority if they are on a waitlist to invest and the company surpasses its maximum funding goal. They will have the first opportunity to invest should room in the offering become available if prior investments are canceled or fail.
Investors will only receive a single bonus, which will be the highest bonus rate they are eligible for.
Irregular Use of Proceeds
The Company might incur Irregular Use of Proceeds that may include but are not limited to the following over $10,000: Salary payments made to one’s self, a friend or relative. Vendor payments.
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Cancel anytime before 48 hours before a rolling close or the offering end date.
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With Regulation A+, a non-accredited investor can only invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. There are no restrictions for accredited investors.
With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000, are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, he/she is limited to investing 10% of the greater of the two amounts.
At the close of an offering, all investors whose funds have “cleared” by this time will be included in the disbursement. At this time, each investor will receive an email from StartEngine with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward.
Please keep in mind that a company can conduct a series of “closes” or withdrawals of funds throughout the duration of the campaign. If you are included in that withdrawal period, you will be emailed your countersigned subscription agreement and proof of purchase immediately following that withdrawal.
StartEngine assists companies in raising capital, and once the offering is closed, we are no longer involved with whether the company chooses to list shares on a secondary market, or what occurs thereafter. Therefore, StartEngine has no control or insight into your investment after the close of the live offering. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes.
For Regulation Crowdfunding, investors are able to cancel their investment at any point throughout the campaign up until 48 hours before the closing of the offering. Note: If the company does a rolling close, they will post an update to their current investors, giving them the opportunity to cancel during this timeframe. If you do not cancel within this 5-day timeframe, your funds will be invested in the company, and you will no longer be able to cancel the investment. If your funds show as ‘Invested’ on your account dashboard, your investment can no longer be canceled.
For Regulation A+, StartEngine allows for a four-hour cancelation period. Once the four-hour window has passed, it is up to each company to set their own cancelation policy. You may find the company’s cancelation policy in the company’s offering circular.
Once your investment is canceled, there is a 10-day clearing period (from the date your investment was submitted). After your funds have cleared the bank, you will receive your refund within 10 business days.
Refunds that are made through ACH payments can take up to 10 business days to clear. Unfortunately, we are at the mercy of the bank, but we will do everything we can to get you your refund as soon as possible. However, every investment needs to go through the clearing process in order to get sent back to the account associated with the investment.
Both Title III (Regulation Crowdfunding) and Title IV (Reg A+) help entrepreneurs crowdfund capital investments from unaccredited and accredited investors. The differences between these regulations are related to the investor limitations, the differing amounts of money companies are permitted to raise, and differing disclosure and filing requirements. To learn more about Regulation Crowdfunding, click here, and for Regulation A+, click here.