Fast, flexible capital for vertical construction—designed around your schedule, draw cadence, and exit strategy.
Ground‑Up Construction Loans for Builders
Builders Capital offers a range of specialized construction financing solutions designed to support builders, developers, and investors at every stage of a residential project. From land acquisition and horizontal development to vertical construction and bridge financing, these programs provide fast, flexible funding tailored to today’s market conditions. With competitive loan-to-cost ratios, streamlined underwriting, and options for experienced and emerging builders alike, Builders Capital empowers clients to move projects forward without the delays and restrictions of traditional lending. Whether your goal is to build-to-rent, develop a subdivision, complete custom homes, or consolidate multiple projects under one facility, the JD.Mortgage team can help align you with the right Builders Capital product to match your strategy and timeline.
Why builders use this program
Traditional lenders often delay starts with rigid covenants and long committee timelines. Ground‑Up Construction Loans through the Builders Capital platform deploy capital quickly and tie draws to verified progress, not arbitrary dates, helping you compress cycle time and maintain trades. See our process overview or check eligibility now.
Core terms at a glance
Typical structures include up to 85% loan‑to‑cost (LTC), interest‑only payments, and 12–24 month terms depending on scope and timeline. Funding is tailored by phase and supported by inspections or documentation, so you retain control over pacing and quality while protecting cash flow. Run quick scenarios or request terms.
Eligible properties and project scope
This program supports ground‑up vertical construction on individually platted lots, including single‑family detached, townhomes, condos, and 2–4 unit properties. Whether you’re building one custom for resale or a run of spec homes in a small subdivision, financing can scale to your pipeline. Explore related loan options or start intake.
Who it’s designed for
Builders with recent, verifiable project history and a clear plan to permit, start, and exit (sale or rental) are a strong fit. Typical thresholds include a credit score at or above 660 and post‑close liquidity of at least 5% of total project cost, with exceptions considered case‑by‑case. Ask our team how your experience and timeline map to terms.
Underwriting aligned with execution
Risk review prioritizes execution and project feasibility: permit status, valuation support, budget realism, schedule integrity, and liquidity. The platform’s builder‑first approach helps you move from LOI to closing fast—often in as few as 21 days when documentation is complete and the project is shovel‑ready. Begin your eligibility check in minutes.
Draw management that protects cash flow
Draws are released against inspections or substantiating documentation to keep materials and labor paid without starving the job. The goal is a predictable rhythm from trench to trim that minimizes downtime and vendor churn. Request a sample draw schedule with your intake.
Land + vertical and pre‑sold flexibility
Where appropriate, acquisition and vertical can be structured together, and pre‑sold inventory can be supported within guideline limits. Spec strategies also qualify when supported by comp data, cost controls, and marketing plans. Compare structures or send a project summary.
Documentation checklist
Expect to provide an executive summary (scope, unit mix, timeline), plans, permit status, budgets on the provided template, project experience, entity docs, and financials for borrower/guarantors. Clean, well‑labeled files accelerate pricing, underwriting, and closing. Request the intake checklist or upload core items now.
Speed to close: what drives timelines
Most time is won or lost in readiness: permits, final plans, title items, insurance, and responsiveness during conditions. With those in place, approvals and docs move quickly, enabling closings in roughly three weeks on qualifying files. See our step‑by‑step or get started.
How we help you scale
If you’re stepping from two to four builds per year, adding spec alongside pre‑sold, or extending into a clustered infill plan, we’ll help tailor a structure that supports starts without straining liquidity. For production teams, we can discuss frameworks that sequence capital across multiple lots with predictable draw cadence. Talk to our team or begin intake.
Who is not a fit
Owner‑builds or self‑occupancy, manufactured or modular housing, mixed‑use or commercial developments, raw land without vertical plans, and condo conversions are not supported. Geographic limitations also apply in certain states. Confirm eligibility for your site.
Frequently asked questions
How fast can I get pricing?
With a complete intake (project summary, basic financials, permit status, and plans), pricing is typically returned within 48–72 hours. Submit your summary.
Do you require permits in hand?
No, but a clear, documented path to issuance is required. Shovel‑ready projects move fastest. Ask what to provide.
Can I fund multiple lots at once?
Yes, subject to experience, liquidity, and total exposure. Starts can be sequenced to match trades and absorption. Discuss pipeline funding.
What’s the exit expectation?
Sale or rental; for rental exits, limits may reference DSCR and market rents. See end‑loan options.
Next steps
Share your executive summary and plans to receive indicative terms, then move to LOI and full underwriting. We’ll coordinate title, insurance, and closing so you can break ground on schedule. Start your project intake or connect with us today.
Beyond the build: permanent financing for your buyers
In addition to project funding through the Builders Capital platform, JD.Mortgage is a direct lender with no overlays and a wide suite of end‑loan options for your buyers. From conventional and FHA to VA, USDA, jumbo, non‑QM, HELOCs, seconds, and more, we help you pair incentives with consumer‑benefit structures that support absorption and margin. Explore loan options or connect with our team.
Explore other solutions
Looking for a different structure? Explore these pages and tie back to this primary page for context and comparison: Consumer Construction Loans, Jumbo, Non‑QM, HELOC, Second Mortgages, FHA, VA, USDA, and Conventional. Ask our team which path best fits your next start.