We help spec home builders fund their single-family ground-up construction projects — typically, without tax returns, bank statements, or wasted time.
If you’re tired of traditional lenders slowing you down with paperwork and delays, you’re in the right place. Our clients are builders—not borrowers. They’re looking for speed, flexibility, and a lender who understands the reality of managing subs, timelines, and cash flow—not someone asking for two years of tax returns, K-1s, and a signed letter from their CPA.
That’s why we offer streamlined loan programs built specifically for builders like you:
🔹 Program 1: Bank-Rate Alternative (But Better)
- Competitive pricing—on par with your local bank (Rates starting at 8.99% with LOW origination fees.)
- Industry Leading Leverage – Up to 85% Total Loan-to-Cost Leverage (including lender fees & interest reserves)
- No tax returns required
- Built-in interest reserves
- Fast closings, often in 2 weeks or less
🔹 Program 2: Lowest Equity, Maximum Flexibility
Everything in Program 1, plus:
- No third-party draw inspections (Draws in as little as 8 hours.)
- As little as 5% equity in the deal (LTC)
- Up to 90% LTC (when including funded interest reserves)
- No liquidity documentation required
Both programs work for credit scores as low as 680 and are designed to help you scale without putting your financial life under a microscope.
If the deal makes sense, I get it funded—fast. No red tape. No B.S. Just real capital for real builders.
🔹 Program 3: Allows Low or No Experience
If you have no ground-up construction experience or only fix & flip renovation experience, this program is for you:
- Piggyback on the experience of your GC, without a completion guarantee, ownership, or personal guarantee from the GC.
- Excellent for build to rent investors
- As low as 680 credit score.
- Up to 85% LTC
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