Builder Construction Financing through Builders Capital

Builders Capital financing through the JD.Mortgage team at PRMG gives experienced homebuilders and developers access to flexible construction capital for residential projects ranging from $250,000 to over $4 million. Whether you’re managing infill projects, horizontal developments, or full vertical construction, we offer competitive solutions for spec, custom, and build-to-rent inventory—without the red tape of traditional lenders.

Connect with the JD.Mortgage team to learn how Builders Capital can align with your project timelines, equity strategy, and production goals.

Why Builders Capital?

Builders choose this platform for three reasons: speed, scalability, and simplicity. Builders Capital was created with the builder’s business model in mind — funding ground-up construction, horizontal development, spec homes, and even pre-sold inventory with capital terms that reflect today’s construction realities.

• Up to 85% Loan-to-Cost (LTC)
• Loans from $250K to $4M+
• 12–18 month interest-only terms
• Experience-based underwriting
• Fast-track closings — as few as 21 days

Schedule a builder consultation to discuss eligibility and upcoming projects.

Builders Capital vs. Traditional Bank Financing

Builders often turn to local banks or credit unions when seeking capital for their projects — but traditional financing paths come with limitations that can stifle momentum. Institutional lenders tend to prioritize rigid underwriting standards, restrictive loan-to-cost ratios, and lengthy approval timelines that simply don’t align with the pace of residential construction.

Builders Capital stands apart by offering fast, builder-aligned funding that considers real-world execution and project viability — not just spreadsheets and checkboxes. The platform was designed to meet the needs of active builders who need liquidity now, not 90 days from now.

Here’s how Builders Capital compares:

• Traditional Banks: Require full documentation, committee review, and lower leverage (typically 65–70% LTC).
• Builders Capital: Offers up to 85% LTC with streamlined documentation and direct decision-making channels.
• Traditional Banks: Often avoid spec or pre-sold residential construction due to risk exposure.
• Builders Capital: Actively funds spec homes, subdivisions, and build-for-rent portfolios.
• Traditional Banks: May take 45–90 days for approval.
• Builders Capital: Can close in as few as 21 days.

When timing, liquidity, and growth matter — traditional lending models fall short. Builders Capital is structured to empower momentum, not restrict it.

Who It’s Designed For

Builders Capital is built for experienced builders scaling their business — not owner-builders or first-timers. The typical builder profile includes:

• Track record of 2+ completed projects in the last 18 months
• 660+ FICO and strong liquidity (5% of project cost minimum)
• Clear build strategy (spec, BFR, or pre-sold)
• Access to plans, permits, and title partners

This program supports both horizontal and vertical phases, offering flexibility for phased developments or sequential builds.

Types of Projects Funded

Builders Capital supports a wide range of residential project types across markets:

• Spec and model homes
• Scattered site infill projects
• Small to mid-sized subdivisions
• Build-for-rent portfolios
• Custom homes for resale
• Vertical-only or combined horizontal + vertical construction

Loan structures are tailored to each project, including land acquisition, infrastructure, and vertical costs.

How Builders Capital Supports Growth at Every Stage

No two builders follow the same path — and that’s exactly why Builders Capital is built for flexibility. Whether you’re scaling from a few custom builds a year or overseeing phased development across multiple neighborhoods, the program adapts to your current capacity and future growth plans.

For smaller operators, such as husband-and-wife teams managing two to four projects per year, Builders Capital can provide the working capital and flexibility needed to take on an extra lot or shorten cycle times. These builders often face bottlenecks due to cash flow constraints — something this platform helps solve through up to 85% loan-to-cost financing and streamlined draw schedules.

Mid-sized and production-focused builders benefit from scalability. The ability to fund multiple projects simultaneously, align funding with starts, and control capital deployment over time makes the program a fit for sustained inventory planning. For builders focused on build-for-rent, Builders Capital provides a way to grow portfolios without the red tape of institutional equity partners or private investors.

Whether you’re building one home at a time or scaling toward 50+ annual starts, the JD.Mortgage team can help facilitate a capital structure that meets your stage of business — without compromising timeline, margin, or control.

Builder Advantages Compared to Traditional Financing

Unlike bank loans with tight covenants and slow committee review, Builders Capital offers a streamlined, builder-aligned approval process. Here’s why builders prefer this model:

• Less Restriction: Higher leverage and lighter covenants
• Better Cash Flow: Custom draw schedules and capital velocity
• Faster Turnaround: Internal pricing and underwriting teams, no third-party committees
• Scalable: Support for builders with 2–1500+ homes in pipeline

How the Process Works

The financing process through Builders Capital is structured around a clear six-stage model that keeps things moving efficiently:

1. Pricing: Project overview, builder profile, and pricing intake submitted
2. Application: Executive summary, borrower financials, construction documentation
3. Underwriting: Feasibility, liquidity, experience, and valuation analysis
4. Processing: Title coordination, document validation, and LOI review
5. Closing: Legal and escrow coordination, signing, and wire funding
6. Servicing: Post-close draw management, project monitoring, and support

The JD.Mortgage team will walk you through every stage, ensuring clean submissions and consistent communication.

Required Information

To initiate project evaluation, builders should be ready to provide the following:

• Completed loan application and signed LOI
• Executive summary with unit mix, pricing, and timeline
• Borrower/Guarantor financials
• Project plans (vertical and/or horizontal)
• Preliminary plat map or site plan
• Permit status and projected issuance timeline
• Proof of liquidity and project experience

Additional documentation may be requested based on scope, municipality, or timeline.

Common Builder Pain Points Solved

Builders who utilize this program often face similar barriers with other lenders:

• Slow approvals that delay starts
• Draw schedules that choke cash flow
• Inflexible underwriting tied to credit over experience
• Limited support during construction

The JD.Mortgage team works directly with Builders Capital to ensure those challenges are proactively addressed, allowing you to focus on building — not chasing capital.

What Builders Are Saying

“Builders Capital helped us fund a 17-unit infill development after two banks passed. The draw structure gave us the flexibility to keep moving even with permit delays.” – Residential Builder, Phoenix

“The pricing came back fast, and the terms made sense. It wasn’t just about the money — it was about having a capital partner that understood construction.” – Production Builder, Florida

Speak with the JD.Mortgage team to learn how Builders Capital could apply to your next project.

Next Steps: Submitting for Pricing

To get started, the JD.Mortgage team will help you submit a pricing intake request through Builders Capital. Here’s what to expect:

• Simple online submission of basic project details
• Pricing returned typically within 48–72 hours
• Letter of Intent (LOI) issued for review and signature
• White-labeled documentation and branded support available

Once the LOI is signed, the full application is submitted for underwriting and closing preparation begins.

Start Your Builder Profile

To keep future projects moving even faster, you’ll have the option to complete a one-time builder profile. This includes:

• Basic company info and W9
• Logo and brand colors for document customization
• Guarantor and ownership structure
• Portfolio of recent projects

Having a completed profile accelerates pre-approvals and keeps you top of queue for future opportunities.

Let’s Talk About Your Pipeline

If you’re building — or planning to — the JD.Mortgage team is ready to support your growth by aligning you with capital that matches your execution timeline. Builders Capital is one of the most respected platforms in residential construction finance and continues to support builders of all sizes across the U.S.

Whether it’s one custom home or the first phase of a subdivision, capital shouldn’t be what holds you back.

Frequently Asked Questions About Builders Capital Financing

Who qualifies for Builders Capital financing through JD.Mortgage?

This program is designed for experienced residential builders and developers with at least two completed projects in the past 18 months. It supports custom homes, spec builds, and build-to-rent communities.

What types of projects are eligible?

Eligible projects include vertical construction, horizontal development, and full-scope residential builds ranging from $250,000 to $4 million or more.

Can I use this financing for land acquisition?

Yes. Builders Capital financing can be structured to include land acquisition, infrastructure improvements, and vertical construction, depending on your project plan and qualifications.

Is the financing limited to a specific state?

No. Financing is available in multiple states for qualifying builders and projects. Our team will evaluate your project location and experience during the initial review.