100% LTC available

For ground-up residential projects valued from $100,000 to $8,000,000+
For professional builders wanting to optimize pricing and terms AND to lock things in for 5 years.


Fixed interest rates available


Limit on total fees you pay

Same Day

Draws possible

Free & Easy Estimates

Estimate my loan

Revolver Terms

Size Up to $5,000,000
LTC 100% of eligible costs
Term 5 Years
Fees Limited to 2.0%
Rate As low as 6.99% fixed for 5 years
Other Costs No other lender fees. Reimburse lender for third-party expenses including appraisal, recording taxes and fees, etc.

Get Started

Contact to Get Started with a Spec Revolving 5 Year Line.

Talking to banks about a builder’s line of credit, guidance line, master revolver, master line, or other type of long-term builder capital access? Talk to us.

The SPEC Line of Credit is the ultimate way for builders and developers to fund SPEC ground up construction and major rehabilitations / renovations. Use for a broad range of residential real estate, including houses, duplexes, triplex, quads, and 5+ unit residential buildings.

COST: Fees are limited to 2% - over the entire 5 years. Interest is locked at 6.99% or 7.99% - only on the funds that you use.

FUNDING: Up to 100% LTC. We fund the lesser of 100% of eligible costs and a maximum LTV.

OTHER GREAT TERMS: Same Day Draws possible. Ask us about not having to pay interest monthly – and no interest-on-interest. No limit on how much of the line can be used for SPEC – there are no pre-sale requirements. No prepayment penalties. No required reserve accounts. Revolving so can borrow and re-borrow funds.

GREAT SERVICE: Have a dedicated representative. When you work with us, you are going into business with an experienced and honest financing company that has helped develop real estate projects across the nation. We work closely with you and will establish an easy and reliable point of contact with one of our representatives so we can answer any questions you may have before, during, and after your project. Builder Finance Inc. is proud to help bring your vision to fruition and work alongside you to create new opportunities for your community.