Four ways to fund a build

Money for the whole build — dirt to done.

Four commercial-purpose products for experienced residential builders and investors. The ranges below reflect what private lenders are doing today; your terms come out of underwriting.

Ground-up Fix & flip Bridge Rental builds

01 · Ground-up construction

Break ground with capital that keeps pace.

For builders and developers taking a lot vertical — with a draw rhythm designed to keep crews paid and framing, not idling on a funding delay.

✓ Land, horizontal work, and vertical build

✓ Interest reserves can be worked into the deal

✓ Single-family, 2–4 unit, and small multifamily

Parameter	Range
Loan amount	$250K – $5M+
Term	12 – 24 months
Up to (of cost)	90% LTC
Up to (of value)	75% LTV
Build budget	Up to 100% covered
Structure	Interest-only

Parameter	Range
Loan amount	$200K – $5M+
Term	6 – 18 months
Up to (of cost)	95% LTC
Rehab budget	Up to 100% covered
Held to	70–75% ARV
Prepay penalty	None

02 · Fix & flip

Buy, rehab, exit — on your clock.

Leverage and turnaround built for renovation deals. The purchase funds at close; the rehab budget releases in inspected stages as the work lands.

✓ Purchase advance plus a rehab holdback

✓ Draws released as stages are verified

✓ Sharpest pricing for repeat operators

03 · Bridge & stabilization

Short-term footing between deals.

Close fast and hold a finished or nearly-finished project steady until the permanent loan or the sale comes through — without a prepay penalty punishing an early exit.

✓ Finished or in-progress assets

✓ Cash-out options on the table

✓ No prepayment penalty

Parameter	Range
Loan amount	$150K – $5M+
Term	6 – 15 months
Up to (of value)	80% LTV
Up to (cash-out)	75% LTV
Structure	Interest-only
Prepay penalty	None

Parameter	Range
Asset types	SFR & small multifamily
Structure	Portfolio / line
Recourse	Non-recourse available
Spec count	No fixed cap
Draws	Filed by the builder
Horizon	Built for the hold

04 · Rental builds

Built to keep, not to flip.

Capital for operators putting up single-family or small multifamily to hold and rent — structured around the income and the long horizon, not a quick sale.

✓ Single-family and small multifamily communities

✓ Capacity to run several builds at once

✓ Structured toward permanent financing

Side by side

The four, at a glance.

Product	Term	Up to	Loan size	Best for
Ground-up	12–24 mo	90% of cost	$250K–$5M+	New vertical construction
Fix & flip	6–18 mo	95% of cost	$200K–$5M+	Renovation & value-add
Bridge	6–15 mo	80% of value	$150K–$5M+	Hold & hand off
Rental builds	Structured	Portfolio	By line	Long-term rental holds

Illustrative ranges reflecting prevailing private-lending terms (2025–2026). Not an offer or commitment to lend; all terms subject to underwriting, credit approval, and property review.

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