A bank prices one address at a time and makes you re-earn the loan on every deal. We'd rather understand your operation once, put a number on what you can carry, and let you build against it.
We weigh your history, your team, and the jobs you already have in the ground — as one picture, not a single lot in isolation.
We put a number on what you can carry across projects, sized to your real output — so a good deal never waits on a fresh committee.
New starts draw down inside that ceiling. Less back-and-forth between approvals, faster releases, more slabs in the ground.
Construction capital arrives in stages, not one lump. Each release is tied to work that's finished and checked — the thing that keeps both your budget and our book intact.
The purchase funds at closing — often 70–75% of the buy — and the build budget sits in a holdback, ready to release.
Each time a stage wraps — footings, framing, rough-ins, drywall, finishes — you request the next slice.
An independent inspection confirms the stage against the budget before any funds move.
That slice pays out — usually every couple of weeks — to you or straight to your subs.
| Metric | Typical range | What it means |
|---|---|---|
| LTC — loan-to-cost | Up to 90–95% | How much of the total project cost we'll carry. |
| LTV — loan-to-value | Up to 75–80% | The loan against the current or finished value. |
| ARV cap | 70–75% | The ceiling against after-repair value — the core guardrail. |
| Build budget | Up to 100% | The full construction budget, released in inspected stages. |
| Your equity | 20–35% | Roughly what you bring to total project cost. |
| Term | 6–24 months | Interest-only, no prepayment penalty. |
| Draw rhythm | Every 2–4 weeks | As stages finish and pass inspection. |
Illustrative ranges reflecting prevailing private-lending terms (2025–2026). Not an offer or commitment to lend; your terms depend on experience, project, and property, subject to underwriting.
Tell us what you're building and we'll come back with a straight read on what we can carry.