Hundreds of Repeat Borrowers
95%+ of applications approved. Work with us for low rates, a dedicated representative, and potential features like 16 months with NO monthly interest payments, loans up to 100% LTC, and same day draw funding.
Builder Finance Inc. provides construction loans for builders and investors as well as fix-flip loans, land development loans, model/show house loans, and lines of credit. Builder Finance Inc. also provides LONG-TERM residential rental property loans as well as single-closing build-rent loans and fix-rent loans.
Coast to Coast
Loans available in 46 states and Washington D.C.
Recently Funded
Free & Easy Estimates
Estimate my loanAvailable Loans
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Builder Line of Credit
5 years of borrowing (revolver) up to 100% LTC
Cost
- Low Rate - SPEC_REVOLVE_INTEREST fixed available
- Low Fee - 2.0% limit on total lender fees you pay, no matter how much or how many times you borrow
Maximum LTC
- 100% Up to 100% LTC
Features
- "Skip" monthly payments
- Same day draws possible
- Up to SPEC_REVOLVE_MAX_FUNDING per project
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Construction Loans
CONSTRUCTION_INTEREST_LOW-CONSTRUCTION_INTEREST_HIGH rate1
for individual projects
Interest Rate
- CONSTRUCTION_INTEREST_LOW to CONSTRUCTION_INTEREST_HIGH rate1
- CONSTRUCTION_PAY_RATE Pay Rate (no monthly payments)
Maximum LTC
- CONSTRUCTION_LTC (82% new borrower)
- CONSTRUCTION_POSSIBLE_LTC possible if land subordinate
Features
- Same day draws possible
- Limited recourse possible
- Up to CONSTRUCTION_MAX_FUNDING per project
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Rental Loans
Rates as low as RENTAL_INTEREST_LOW
Cost
- Rates of RENTAL_INTEREST_LOW to RENTAL_INTEREST_HIGH
- 1 point
Maximum LTV
- RENTAL_LTV
Features
- 7 (5+2), 12 (10+2), or 17 (15+2) Years
- 5, 10, or 15 Years at a Fixed Rate
- 2 Year Floating Rate extension option
- Interest only available
- Non-recourse available
- Cash-out Possible
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Built to Rent
One loan closing, built or fix then hold
Cost
- Fixed rate of BUILD_RENT_INTEREST_LOW or BUILD_RENT_INTEREST_HIGH (assuming 740+ credit)
Maximum LTC
- BUILD_RENT_LTC
Features
- 7 (5+2) or 12 (10+2) Years
- 5 or 10 Years at a fixed rate + a 2 Year extension option at a floating rate
- Year 1 of loan for construction
- Interest only available
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Fix-Flip Loans
FIX_FLIP_INTEREST_LOW for repeat clients (repaid 1 + loan)
Cost
- Interest rate is: FIX_FLIP_INTEREST_LOW for repeat client (repaid 1+ loan), FIX_FLIP_INTEREST_HIGH for new client
- FIX_FLIP_PAY_RATE Pay Rate (no monthly payments)
- FIX_FLIP_POINTS upfront points
Maximum LTC
- FIX_FLIP_LTC_PURCHASE/FIX_FLIP_LTC_CLOSING/FIX_FLIP_LTC_COST for purchase, closing costs, and work, respectively
Features
- No monthly interest payments required
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Land Loans
1 point
Cost
- Rates of LAND_INTEREST (10 months)
- 1 point
Maximum LTC
- LAND_LTC
- Ask about 100% LTC construction loan with subordination/seller financing
Features
- 14 months
- Interest only
- Convert to Construction Loan
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Model Home Loans
Construct then use as model - MODEL_INTEREST fixed
Cost
- MODEL_INTEREST fixed
- MODEL_POINTS points
Maximum LTV
- MODEL_LTV
Features
- Up to 3 years
- Interest only available
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Liquidity Access Lines
Money in 1-2 business days
Cost
- 9.99% interest rate
- No points
Money to Buy
- The Liquidity Access Line (LAL) is a credit line that lets you buy land or a property FAST.
Terms
- Up to 4 years
- Loans up to 75% of acquisition cost
Important Information
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Parameters
More than 19 out of 20 applications approved. We lend to corporate entities (usually LLC) for a business purpose (usually SPEC or rental).
- NO Owner Occupants
- Yes Builders
- Yes Residential Investors
- Yes Investors and GCs
- Yes Site-Build
- Yes Modular
- Yes Manufactured
- Yes SIP
- Yes Houses
- Yes Townhouses
- Yes 2-4 Unit
- Yes 5+ Unit
- OK A Past Bankruptcy
- OK A Past Forclosure
- OK No Income Requirements
- OK No Minimum Credit Score
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Why Work with Us?
Cost
Bank-like pricing
Focus
A lender built to do SPEC
and Rental loansCertainty
A direct lender and servicer
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Who We Lend To
Custom Builders Two great options for Custom Builders are Builder Line of Credit and Construction Loans. Builder Lines of Credit offer years to build and sell. adsf interest rate available. Available size is up to SPEC_REVOLVE_MAX_FUNDING. Construction Loans include numerous benefits such as a 0.0% pay rate (no monthly interest payments). Construction loans are available up to CONSTRUCTION_MAX_FUNDING. With both, ask us how to get a 100% advance rate. Semi-Custom Builders This is our sweet-spot! We can help you grow your business. Production Builders There are 2 great ways to borrow. Spec Revolvers offer up to SPEC_REVOLVE_LTC LTC and you can re-borrow money multiple times without additional fees. Construction Loans feature numerous benefits such as a 0.0% pay rate (no monthly interest payments). Also ask about our model home financing and other features geared for production building. Fix-Flippers We offer great pricing and terms in our Fix-Flip Loans : FIX_FLIP_POINTS points and a FIX_FLIP_INTEREST_LOW interest rate for repeat clients (have repaid 1 or more loans). General Contractors A general contractor’s experience can help its client qualify for a larger loan. The GC can be paid out of loan proceeds. We can help GCs win fee business and we can lend to them for their own spec work. Construction Investors Access great terms as professional builders with our Construction Loans . Rental Property Investors Numerous rental loan options available for rental investment properties. Forgein Investors We can finance your investments! Brokers and Referral Partners We PROTECT brokers and other referral partners. Referrals are a HUGE part of our business. Land Buying land? Before you close, learn how 100% financing is possible. Call us to learn more. Selling land? We can help make you more money. Call to learn more. Model Homes We want your project to succeed! We may be able to finance your model home – construction and hold. Call us to discuss. Manufactured/Modular/SIP/Pre-Fab/Off-Site Build We want to finance as much good product as possible! Call us to learn more. Realtors Selling land or an old house? Connect with us and learn how we can help you get a deal done. -
Where We Lend
Loans available in 46 states and Washington D.C.
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Meet Us In Person
Let's talk in person at an upcoming event. Contact BFI to confirm its attendance.
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