New Construction
Up to 90% LTC with competitive interest-only periods.
Performance capital
You’re leaving $8,000–$25,000 on the table. Every deal.
Stop settling for the lender you know. We monitor 30+ specialized capital partners so your project keeps the maximum profit—without the shopping marathon.
Free analysis No obligation Soft pull for quotes
HTTPS · We never sell your contact info
Spread optimized by 114 bps last month.
How it works: 2-minute brief → we match 30+ lenders → you compare term sheets. Replies within one business day.
30+
Lender partners
1.4%
Avg. rate savings
$12,800
Avg. saved per deal
48hrs
Avg. to term sheet
Figures are illustrative benchmarks from recent placements; your savings depend on deal size, market, and underwriting.
Benchmarked across capital archetypes
Private debt
Credit unions
Regional banks
Bridge specialists
DSCR & rental
The real cost
Finding the right lender shouldn’t be a second job.
Traditional financing is opaque and slow. Most investors lose thousands simply because they don't have time to shop dozens of institutions.
Stuck with who you know
Loyalty to one local bank costs you in missed rate cuts and flexible terms.
Rates change weekly
Last month’s best deal isn’t today’s. Markets move faster than your network.
Lost profit
Origination fees and hidden points eat net proceeds before you break ground.
Last to know
Retail investors hear about new debt funds last—if they hear at all.
Workflow
How it works
We’ve automated capital acquisition so you can focus on the build—not the bank calls.
Workflow in three steps: submit your brief, we match lenders, you choose terms.
Tell us about your deal
A 2-minute brief. No hard credit pull to see preliminary quotes.
We shop 30+ lenders
Matching your deal to our capital network in real time—not spreadsheets.
Pick your lender
Compare the top term sheets side by side. Choose fit—then close with confidence.
Specialized Loan Products
Purpose-built programs for builders, flippers, and buy-and-hold operators.
Fix & Flip
Rapid funding for acquisition and 100% of rehab costs.
DSCR / Rental
No personal income verification—based on asset performance.
Bridge Loans
Short-term capital for quick transitions and acquisitions.
Commercial
Multi-family and mixed-use specialized debt options.
Cash-Out Refi
Unlock equity from your portfolio for your next project.
Compare
Better capital, faster.
Each row compares doing it yourself with BuilderRates.
Lender access
Doing it yourself
1–3 (your network)
With BuilderRates
30+ institutional partners
Time commitment
Doing it yourself
15+ hours calling & emailing
With BuilderRates
2-minute single application
Value score
Doing it yourself
Market average
With BuilderRates
Top tier (≈1.4% rate savings)
Cost
Doing it yourself
Standard origination
With BuilderRates
$0 out of pocket
| Feature | Doing it yourself | With BuilderRates |
|---|---|---|
| Lender access | 1–3 (your network) | 30+ institutional partners |
| Time commitment | 15+ hours calling & emailing | 2-minute single application |
| Value score | Market average | Top tier (≈1.4% rate savings) |
| Cost | Standard origination | $0 out of pocket |
No obligation · Typical reply within one business day
“They found a lender I’d never heard of—125 bps lower than my usual bank. That’s $14k to my bottom line.”
Marcus R.
Fix & Flip investor · 24 units yearly
Proof
Trusted by the modern developer.
-
$450M+ in construction volume analyzed in the last 12 months.
-
Access to institutional private debt funds—not just retail banks.
-
A deal strategist on premium submissions—real humans, real leverage.
FAQ
Capital intelligence FAQ
How is this free for me?
We’re compensated by lender partners for high-quality, pre-vetted deals. Our service is free to you—we don’t stack extra fees on the lender’s quote.
Do I have to use the lender you recommend?
No. You’re never obligated to use our recommendations—we provide options; you choose.
Will this impact my credit score?
Initial analysis uses a soft pull that doesn’t affect your score. A hard pull happens only when you proceed with a specific lender’s full application.
How fast can I get funded?
Term sheets often land within 48 hours. Depending on product, funding can hit in as little as 7–10 business days.
What areas do you cover?
Residential and commercial investment properties in all 50 U.S. states.
Limited · 15 analyses this week
Stop leaving profit on the table. Audit your capital today.
Takes under 2 minutes. Completely confidential.
Encrypted forms · We never sell your contact info