PRODUCT OFFERINGS
AD&C All-in-One Loans
Seamless financing that follows every phase.
Simplify your development process with one facility covering acquisition, construction, and lot development. Designed for builders managing large-scale or multi-stage projects, this loan streamlines funding for seamless execution.
Term (up to)
24 months
Loan Amount
Minimum Loan Amount
$500,000
Maximum Loan Amount Per Unit
$3,000,000
Maximum Loan Amount
$20,000,000
As Repaired / Improved LTV
Horizontal Post Lot Development
≤55%
Vertical
≤65%
LTC
≤85%
Purpose
Acquisition, Development, and Construction loans.
Experienced developers and builders benefit by consolidating and streamlining their AD&C financing for construction projects
Property Types
Horizontal: Entitled land with zoning in place.
Vertical: Single Family,Condo,2‐4 Unit Properties, and Townhouses
Total Units Per Loan
Multiple properties per loan allowable if in the same jurisdiction
Recently Funded
18,233,656
Townhomes
AD&C All-in-One Loans
Greenville, SC
Feb 2025
10,600,000
Multifamily Apartments
AD&C All-in-One Loans
Jonesboro, GA
Nov 2024
18,913,476
Townhomes
AD&C All-in-One Loans
Boise, ID
Oct 2024
13,490,000
Single Family Residence
AD&C All-in-One Loans
Canton, GA
Oct 2024
20,000,000
Townhomes
AD&C All-in-One Loans
Lake Norman, NC
Sep 2024
18,233,656
Townhomes
AD&C All-in-One Loans
Greenville, SC
Feb 2025
10,600,000
Multifamily Apartments
AD&C All-in-One Loans
Jonesboro, GA
Nov 2024
18,913,476
Townhomes
AD&C All-in-One Loans
Boise, ID
Oct 2024
13,490,000
Single Family Residence
AD&C All-in-One Loans
Canton, GA
Oct 2024
20,000,000
Townhomes
AD&C All-in-One Loans
Lake Norman, NC
Sep 2024
the builders capital difference
Advantages of our loans:
Builders Capital
Competitors
Traditional Bank
Loan Products
Wide variety tailored for builders (construction, BTR, WRAP, etc.)
Limited product customization
Standardized products; fewer options for developers
Industry Expertise
Over 15 years in private construction lending and experienced leadership
Varies; some specialize in lending but lack deep construction focus
Limited real estate and construction-specific expertise
Leverage
Competitive LTC & LTV
Varies
Lower LTC ratios, requiring higher builder equity
Flexibility
Creative, builder-focused solutions
Moderate flexibility
Moderate flexibility
Technology Access
24-hour online access to loan details and draw requests
May offer basic online tools
Minimal tech integration; relies heavily on manual processes
Geographic Reach
Nationwide presence
Regional or limited to specific areas
Regional or local scope
Origination Fees
Transparent, with reuse benefits (e.g., WRAP product) and credit programs (MOR)
Varies, often with hidden or layered fees
Higher, with additional hidden fees
Borrower Relationship
Focused on shared success and long-term relationships
Focused on shared success and long-term relationships
Focused on shared success and long-term relationships
key metrics
Strength In Numbers: Our Impact
$12+ Billion
Historic Production
18,000+
Homes Built
15,000+
Lots Developed
