Capital built for
builders like you.
BldFi connects home builders, remodelers, and fix-and-flip investors with fast, flexible private financing — from ground-up construction to final draw.
Financing for every phase of the build.
Whether you're breaking ground on a new home, remodeling a property, or flipping a distressed asset — BldFi can match you with a loan structure designed for your deal.
New Construction
BldFi's flagship program. Structured for spec builders and custom home builders who need high LTC, a flexible draw schedule tied to construction milestones, and a lender who understands the pace of a build.
- Loan amount
- $250K – $5M
- LTC up to
- 90%
- Term
- 12 – 24 months
- Rate
- From 10.5%
Fix & Flip
Speed is the fix-and-flip investor's most valuable asset. BldFi matches you with lenders who typically close in 10–14 days, with flexible rehab draw structures and — with many lenders — no prepayment penalties, so you can exit the moment your deal is done.
- Loan amount
- $100K – $3M
- LTV up to
- 75% ARV
- Term
- 6 – 18 months
- Rate
- From 11.0%
Renovation
For remodelers, contractors, and investors who take on tenant-occupied or vacant renovation projects. BldFi matches you with lenders who structure a flexible draw schedule around your actual workflow — not a one-size-fits-all template.
- Loan amount
- $75K – $2M
- LTC up to
- 85%
- Term
- 6 – 18 months
- Rate
- From 11.5%
From application to funded in as little as 10–14 days.
We keep the process simple. No months of underwriting, no banking red tape — just private lenders matched to your deal by people who understand construction.
Submit your application
Complete our streamlined online application with your project details, property info, and experience background.
24–48 hour review
Our team reviews your deal, project scope, and borrower profile and matches it with the right private lender. We'll follow up quickly with any questions.
Term sheet issued
Receive a clear term sheet from the lender outlining rate, amount, LTC, draw schedule, and fees — no surprises.
Close & fund
Sign, close, and receive your initial draw. Subsequent draws are released as construction milestones are verified.
Free tools to run your deals smarter.
BldFi clients get access to a suite of purpose-built calculators and planning tools — designed for the way builders actually work.
Financing that thinks like a builder.
BldFi connects builders and investors with private lenders who fund construction — and our team speaks the language of draw schedules, scopes of work, and project timelines.
Speed when it matters
We review your deal in 24–48 hours, and closings with our lender partners typically take 10–14 days. When you find the right deal, you won't lose it waiting on a bank.
People who know construction
Our team has direct experience in construction and real estate investment. We understand draw schedules, scopes of work, and project timelines — and we match you with lenders who do too.
Flexible, deal-by-deal matching
We look at the deal and the borrower together — not a rigid checklist — and bring it to the private lenders it fits. Strong project? Experienced borrower? We work to find a lender who'll say yes.
Built for repeat borrowers
The more you build with BldFi, the better it gets. Repeat clients get priority service and faster reviews, and many of our lender partners offer preferred rates.
Knowledge for the serious builder.
Practical guides, market insights, and financing explainers — written for builders, not bankers.
How to Structure a Draw Schedule That Lenders Actually Approve
The five most common draw schedule mistakes and how to avoid them — from a private lending perspective.
What Drives Fix & Flip Margins (and How to Protect Yours)
The five levers that determine whether a flip is profitable — and how experienced investors protect margin on each one.
LTC vs. LTV: What These Ratios Mean and Why They Matter for Your Loan
A plain-English breakdown of loan-to-cost and loan-to-value — and how lenders use each to structure your deal.
Your next project starts here.
Submit your project details today and hear back from our team within 48 hours.
Start Your Application