Residential Construction Financing FAQs
Get answers to common questions about working with Builders Capital, including builder qualifications, capital capacity, loan options, project financing, draws, servicing, and our approach to supporting residential builders and developers.
What types of builders do you work with?
Builders Capital works exclusively with experienced residential builders and developers. We’re best suited for builders managing active pipelines, multiple projects or communities, and recurring capital needs. Our enterprise builder relationships typically involve larger production schedules where capital capacity, liquidity, and flexibility become increasingly important.
How do I get started?
You can start by submitting a request through our website. Our team will review your information and connect with you to discuss your business, pipeline, and capital needs.
Is this a full loan application?
No. This is an initial step to start a conversation about your pipeline. Our team will connect with you to better understand your business before moving into a formal process.
What is an exposure limit lending model?
Builders Capital structures capital around your business rather than individual projects. We establish a defined capital capacity, up to $350MM, based on your experience, financial profile, and pipeline. Once your capital capacity is established, you can deploy that capital across multiple projects without restarting the full approval process for each one.
What types of loan products do you offer?
Builders Capital offers flexible residential construction loans, including AD&C All-inOne, New Construction, Build-to-Rent, and Bridge Stabilization.
Do you finance both development and vertical construction?
Yes. We provide capital for both development and vertical construction, and can structure solutions that support projects from acquisition through completion.
Where does Builders Capital lend?
Builders Capital provides residential construction financing in 44 states, with a national lending platform supporting builders across major residential construction markets. You can view our current market coverage on our Where We Lend page.
Are there limits on how many projects I can run at once?
Builders Capital does not impose the same project limits often found in traditional lending structures. Capital is structured to support your broader pipeline.
Do you have an internal servicing team?
Yes. Builders Capital has a dedicated internal servicing team that supports draw requests, funding, and ongoing loan management throughout the life of your projects.
How does the draw process work?
Builders Capital provides a structured draw process designed to keep projects moving. Draw requests are reviewed and processed by our internal servicing team to ensure consistency and efficiency across your projects.
