A project runs from a raw lot to a set of keys — and somewhere in that stretch your own cash runs thin. Acacia Lending covers that distance for experienced residential builders: ground-up, fix & flip, bridge, and rental builds, sized to your track record instead of a single address.
Illustrative program ranges — not an offer or commitment to lend.
If you're financing every slab like it's your first, you've outgrown the bank. We're built for operators with jobs already in the ground.
Running several homes or a whole community at once, and done waiting on approvals to break ground on the next one.
Carrying dirt through entitlements and horizontal work, then taking it vertical without switching lenders midstream.
Putting up single-family or small multifamily to hold and rent — financing aligned to a long hold, not a quick sale.
Past your first handful of deals and ready for leverage and turnaround a retail bank simply won't match.
Break ground, go vertical, hand over keys — with draws that keep the crew paid on time.
Buy, rehab, exit. Purchase funds at close; the rehab releases in stages as the work lands.
Short-term footing to close quickly and hold a finished project until the permanent loan or sale lands.
Single-family and small multifamily built to keep — structured for the income, not the flip.
The acacia drives its roots deeper than any tree around it.
It's how it finds water when the ground goes dry — and why it's still standing after the easy seasons end. We built Acacia Lending on the same idea: put capital down where builders need it, exactly when the banks pull back.
Deeper roots. Steadier footing. Capital built to last.
Acacia Lending covers the outflow so a thin cash position never stalls a good project.
Too much of this business still runs on email threads and PDF spreadsheets. We're building the opposite — a draw system where you file a request the minute a stage is done and watch every dollar move in real time.
Most lenders re-underwrite you from scratch on every deal. We'd rather learn your business once and set a number you can build against.
Your history, your crew, and everything you've already got moving — judged together, not one lot in a vacuum.
We put a number on what you can carry at once, sized to your real production — not a single-deal cap.
New jobs start inside that ceiling. No fresh application every time you break ground.
As regulated lenders pull back from construction, private capital has become the main engine funding homes. That shift is the reason we exist.
1–4 family residential construction loans outstanding in Q1 2025 — the first quarterly rise in two years.
Raised by private real-estate debt funds in 2025 as developers route around banks.
Where construction and fix-and-flip rates generally sit heading into 2026.
Builders kept reporting tightening bank credit conditions through Q4 2025.
Sources: NAHB / Eye on Housing single-family construction loan data (2025); Preqin private real-estate debt fundraising (2025).
Construction money doesn't land as one check. It releases in stages against work that's finished and checked — which is what protects your budget and our book at the same time.
Purchase funds at closing — often 70–75% of the buy — with the build budget set aside in a holdback.
As a stage finishes — footings, framing, rough-ins, drywall, finishes — you ask for the next release.
An independent inspection signs off on the completed stage before a dollar leaves the holdback.
That stage pays out — usually every couple of weeks — to you or straight to the subs.
For proven builders, up to 90% of the buy and 100% of the build budget, with interest reserves able to be worked in.
We underwrite to the finished number — total loan generally held to 70–75% of after-repair value, which keeps everyone honest.
6–24 months, interest-only, no prepayment penalty. Your own skin in the game usually runs 20–35% of total cost.
Illustrative ranges reflecting prevailing private-lending terms (2025–2026). Not an offer or commitment to lend; every deal is subject to underwriting and property review.
We're early, so we won't borrow a testimonial wall we didn't earn. Here's what we hold ourselves to instead.
Straight terms and draws that clear on a rhythm you can plan a crew against. We won't quote a timeline we can't hit.
You see the same numbers we do — every draw, every inspection, every dollar left in the holdback.
Terms shaped around how a job actually runs, by people who understand a punch list and a pay app.
Not yet. We work with builders who've finished at least one comparable project. If this is your first build, a local bank or credit union is a better first call — come back when you've got a track record to point at.
It depends on the deal and how clean your file is. We move as fast as complete documents let us — days, not months — but we won't put a number on the page that we can't stand behind for your specific deal.
Against completed, inspected work — usually every couple of weeks. You file the draw when a stage is done, an inspection confirms it, and the funds release to you or straight to your subcontractors.
The finished value. Your total loan is generally capped around 70–75% of the after-repair or completed value. That cap is the guardrail that protects your equity and our capital at the same time.
We only originate where we hold the required license or where none is required, and we make commercial-purpose loans to business entities — not consumer mortgages. Nothing on this site is an offer or a commitment to lend.
A team of operators and capital partners. We're new by design, and we'd rather be judged on how we close your first deal than on a wall of logos. If you want to know more, reach out — we'll tell you who you'd be working with.
Tell us what you're building and where your cash gets thin. We'll come back with a straight read on what we can carry.