PRODUCT OFFERINGS

AD&C All-in-One Financing

Seamless Financing for Every Phase

Consolidate 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.

Terms

Acquisition, Development, and Construction Loans

Experienced developers and builders benefit by consolidating and streamlining their AD&C financing for construction projects for every phase
Term (up to)
24 months
As Repaired / Improved LTV
Horizontal Post Lot Development
up to 60%
Vertical
up to 75%
LTC
up to 90%
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
All-in-one product seal
How We Lend

Funding Your Pipeline, Not Just One Project

We don’t restart for every project. Once we understand your business, we establish an annual exposure limit so you can deploy capital across multiple projects with confidence and speed. That means fewer restrictions, clearer capital capacity, and financing that works with the realities of residential development.

1
Understand the Builder
We evaluate the builder’s experience, operating model, and pipeline.
2
Establish Capital Capacity
An exposure limit up to $350MM is structured to support the builder’s broader production.
3
Deploy Capital Across Projects
Projects move forward within that capacity with less friction between approvals
How Our Approach Compares 

Capital Solutions that Remove Friction

Builders Capital
Competitors
Traditional Bank
Loan Products
Wide variety tailored for builders (construction, BTR, 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
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
resources

Experience You Can Rely On

With decades of experience in building and construction, we provide builders with market insights, financing strategies, and industry updates designed to help navigate scale and changing market conditions. 
Overview
Capital Solutions for Scaling Builders
Case Study
AD&C Townhome and Single Family Home Project
Insights
Banks Create Burden. We Build Freedom

Recently Funded Projects

AD&C All-in-One Loan
$
15,565,595
20 Single Family Homes
Boise, ID
AD&C All-in-One Loan
$
14,769,508
24 Single Family Homes
Kuna, ID
AD&C All-in-One Loan
$
1,711,000
3 Single Family Homes
Burnet, TX
AD&C All-in-One Loan
$
22,947,538
32 Townhomes
Athens, AL
AD&C All-in-One Loan
$
5,392,666
76 Townhomes
Hickery, NC
AD&C All-in-One Loan
$
83,856,585
Master Planned Community
Moab, UT
Trusted by Builders Nationwide

Proven Across Thousands of Homes and Projects

Builders Capital combines builders expertise with institutional capital to support residential builders across the country.
$17+ Billion
Projects Financed
500+
Builders Supported
18,000+
Homes Built
15,000+
Lots Developed
Testimonials & Reviews

Why Builders Choose Builders Capital

Builders across the nation rely on Builders Capital to help keep their projects moving.

"Builder Capital's confidence in us means a lot. From the initial loan structuring to the draw process throughout construction, everything moved smoothly. Your responsiveness, clear communication, and willingness to work with us at every stage made a genuinely difficult process feel manageable. That kind of partnership is rare, and it's exactly why we want to continue building with Builders Capital going forward."

Naveen V.
Google Review

"I recently had the pleasure of working with Builder Capital, for my construction financing needs, and I couldn’t be more satisfied with the experience! From the initial consultation to the final approval, the team was incredibly knowledgeable and supportive. They took the time to understand my project and tailored a financing solution that fit perfectly!"

Yan N.
Google Review

"I have worked with many lenders over the years and Builders Capital by far has been the best lender we have worked with on our build projects. They provide personal attention and are a true advocate for our company. We are moving our projects along so fast with Builders Capital by our side!"

Christie L.
Google Review

"The key to successfully handling volume and maintaining a clean, professional business as a broker in the alternative financing space is having a diligent, knowledgeable, and genuinely caring representative or account executive on the lender side. This ensures a thorough intake process with no details overlooked. Speed and clear communication empower deal finders to source more viable opportunities efficiently while facilitating a seamless term sheet process, smooth transition into processing, and expedited funding. We're on track to close $100,000,000 this year, and with banks pulling back from construction financing, that number is only set to grow. Huge thanks to the entire team at BC for guiding me and our clients every step of the way."

Jeff V.
Google Review

"I have worked with Builders Capital exclusively for the last five years. I have found them to be just the right like-minded partner for multifamily construction financing. I've had extremely positive experiences from its ownership/partners, loan origination, and loan servicing. I have recommended others to Builders Capital, and I will continue to do so."

Michael Z.
Google Review

Let’s Discuss Your Pipeline

Built by Builders. Backed by Capital.

If you're an experienced builder looking for pipeline-level capital with fewer restrictions and greater flexibility than traditional bank financing, let’s start a conversation.