PRODUCT OFFERINGS
Ground-Up Construction Loan
Build with Confidence.
From custom homes to large developments, our construction loans provide the funding you need to bring your vision to life. These loans also include options for land acquisition.
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
≤65%
LTC
≤90%
Purpose
Vertical new construction financing on build-ready lots
Property Types
Vertical: Single Family,Condo,2‐4 Unit Properties, Townhouses, and Multifamily
Total Units Per Loan
Multiple properties per loan allowable if in the same jurisdiction
Recently Funded
21,811,075
Condos
Ground-Up Construction Loans
San Diego, CA
Jan 2025
27,800,000
Single Family Home & Clubhouse
Ground-Up Construction Loans
Cle Elm, WA
Feb 2025
5,648,857
Luxury Condominiums
Ground-Up Construction Loans
Madeira Beach, FL
Nov 2024
5,000,000
Single Family Home
Ground-Up Construction Loans
Bend, OR
Nov 2024
8,838,662
Townhomes
Ground-Up Construction Loans
St-Petersburg, FL
Aug 2024
19,847,499
Condos
Ground-Up Construction Loans
Charlotte, NC
Aug 2024
8,892,000
Condos
Ground-Up Construction Loans
Asheville, NC
Sep 2024
2,473,727
Multifamily Apartments
Ground-Up Construction Loans
San Diego, CA
Sep 2024
8,416,381
Condos
Ground-Up Construction Loans
Visalia, CA
Jul 2024
60,000,000
Pool amenity & Infrastructure
Ground-Up Construction Loans
Moab, UT
Sep 2024
21,811,075
Condos
Ground-Up Construction Loans
San Diego, CA
Jan 2025
27,800,000
Single Family Home & Clubhouse
Ground-Up Construction Loans
Cle Elm, WA
Feb 2025
5,648,857
Luxury Condominiums
Ground-Up Construction Loans
Madeira Beach, FL
Nov 2024
5,000,000
Single Family Home
Ground-Up Construction Loans
Bend, OR
Nov 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
