Acacia Lending is a new private lender for experienced residential builders. We started it for a simple reason: banks stepped back from construction credit, and the builders still putting homes in the ground needed capital that moves at their speed.
Higher rates and tighter rules pushed regulated lenders out of big stretches of construction lending. Private capital moved in to fill it — but builders deserve more than a check. They deserve a lender that pairs institutional money with the pace, flexibility, and plain visibility of good software.
So that's what we're building: dependable capital, sized to your whole book, delivered on a platform that shows both sides every dollar.
1–4 family residential construction loans outstanding, Q1 2025.
Private real-estate debt raised in 2025 as developers route around banks.
Sources: NAHB / Eye on Housing single-family construction loan data (2025); Preqin private real-estate debt fundraising (2025).
The acacia is the tree that grows where others can't.
Deep roots, hard wood, built to outlast the rough seasons — the acacia holds its ground when easy conditions disappear. That's the lender we set out to be: capital with roots deep enough to show up for builders exactly when traditional money pulls back, and the durability to still be here for the next build, and the one after that.
Straight terms and draws that clear on a rhythm you can schedule a crew against.
You see the same numbers we do — draws, inspections, the balance in the holdback.
Terms shaped around how a build actually runs, not how a spreadsheet wishes it did.
Underwriting to the finished number protects everyone — and lets us extend more capacity.
Interest-only, no prepay traps, no fine-print games. We do better when you do.
We want to fund your next ten builds — not squeeze the most out of this one.
Acacia Lending is newly formed. We're standing up our first programs and the draw platform in parallel — and we'd rather earn your trust on a real deal than borrow a track record we don't have yet. Builders, brokers, and capital partners who want in early: reach out.