Loan Products Overview

Residential Construction Financing Solutions

Builders Capital offers private construction loan options designed for experienced builders and developers managing multiple projects at once: AD&C all-in-one financing, new construction loans, build-to-rent funding, and short-term bridge stabilization capital. Each is structured around your pipeline, not a single deal, so the loan fits how you actually build rather than forcing your business to fit a standard product.

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CAPITAL SOLUTIONS

What Construction Loan Products Are Available?

Every builder's business looks different. Whether you're acquiring land, starting vertical construction, expanding a build-to-rent portfolio, or stabilizing completed projects, Builders Capital offers financing solutions designed to support each stage of your business.

What are AD&C All-in-One Loans?

Land acquisition, horizontal development, and vertical construction, all in a single loan for experienced builders.

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What are New Construction Loans?

Flexible construction financing for ready-to-build lots. Designed for single-family, townhome, and condo new builds.

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What are Built-to-Rent Loans?

Purpose-built construction financing for build-to-rent communities, single-family rentals, and long-term portfolio development.

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What are Bridge Stabilization Loans?

Short-term bridge financing to stabilize projects, manage transitions between phases, or refinance existing construction debt.

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How Builder Capital's Lending Process Works

Construction Financing for Your Pipeline

Financing that works with the realities of residential development, with fewer restrictions and clearer capital capacity.

We Get to Know
Your Business

We evaluate your company, track record, financial capacity, operating experience, and future pipeline upfront.

We Establish
Capital Capacity

We set an annual exposure limit of up to $350MM based on the scale of your business and projected capital needs.

We Deploy Capital
Across Projects

Each eligible project is reviewed within your approved exposure, creating a streamlined path from one opportunity to the next.

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How Builders capital compares to other construction lenders

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

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

Trusted by Builders Nationwide

Private Construction Lending at Scale

Builders Capital is a national private construction lending platform designed to support experienced builders through multiple market cycles with construction loan programs backed by proven, at-scale execution.

$17B+

Projects Financed

500+

Builders Supported

18,000+

Homes Built

15,000+

Lots Developed

Let’s Discuss Your Pipeline

Built by Builders. Backed by Capital.

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

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