For Contractors & Builders — All 50 States
Construction Loans Built for the People Who Build
No W-2s. No tax returns. No hard credit pull. We evaluate your project — not your paperwork.
Ground up construction, fix and flip, multi-unit builder programs. Deferred interest until you sell or refinance. We lend in all 50 states.
The Problem
Banks Were Not Built for Contractors
Traditional lenders want W-2s and tax returns. But contractors write off legitimate business expenses — equipment, vehicles, materials, subcontractors. Those deductions reduce your taxable income, which is smart tax strategy. But it makes your tax return look like you earn far less than you actually do.
The result? Contractors who are excellent credit risks get turned away by banks that can't see past their own paperwork requirements.
We were built for you.
What We Look At Instead
- The project plan and scope of work
- Total project cost — land, hard costs, soft costs
- After-construction or after-repair value
- Your exit strategy (sell or refinance)
- Your experience as a builder
No W-2s · No Tax Returns · No Hard Credit Pull
Built for Every Stage of Your Build
Ground Up Construction
Finance up to 90% of total project cost — land, hard costs, and soft costs included. Deferred interest until you sell or refinance. Single units or multiple homes at once.
- Up to 90% of total project cost
- Land acquisition included
- Deferred interest until sale or refi
- Multi-unit builder programs available
Fix 'N Flip
Asset-based financing for renovation projects. We evaluate the deal — not your credit score. Deferred payment programs available for experienced builders.
- Up to 70–75% of after-repair value
- Purchase + renovation costs covered
- Draw schedule tied to completed work
- Deferred payments for experienced builders
Multi-Unit Builder Program
Building multiple homes simultaneously? One loan, one draw schedule, continuous workflow for your subs. Lower per-unit cost. Faster completion. Better returns.
- One loan covers all units
- Coordinated draw schedule across units
- Keeps subcontractors working continuously
- Ideal for infill and subdivision builders
Simple Process
From Application to Funded — Fast
Submit Your Info
Tell us about your project — type, location, cost, and exit strategy. No tax returns needed.
We Review the Deal
A Senior Loan Officer evaluates your project. No hard credit pull. Fast turnaround.
Get Your Terms
We present your loan terms — amount, rate, draw schedule, and timeline.
Close and Build
Close the loan and break ground. Funds released in draws as phases are completed.
We Lend in All 50 States
Texas · New York · California · Georgia · Arizona · North Carolina · Tennessee · Ohio · Colorado · And Every State in Between
FAQ
Questions Contractors Ask Us
Ready to Fund Your Next Project?
No W-2s. No tax returns. No hard credit pull. Submit your free loan analysis and a Senior Loan Officer will review your project — no obligation.
Get My Free Loan Analysis →Soft credit pull or no credit check required · All 50 states
Want to learn more before you apply?
Read Our Blog — Guides Written for Contractors & Builders →