Financing built for how builders work.
Three loan programs, one point of contact. BldFi matches capital to your project — whether you're breaking ground, rehabbing a flip, or renovating a property.
Choose the right loan for your deal.
All three products are draw-based, interest-only during the project term, and close significantly faster than conventional bank financing.
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%
Compare all three products.
| Feature | New Construction | Fix & Flip | Renovation |
|---|---|---|---|
| Loan amount | $250K – $5M | $100K – $3M | $75K – $2M |
| Max LTC / LTV | 90% LTC | 75% of ARV | 85% LTC |
| Rate (from) | 10.5% | 11.0% | 11.5% |
| Loan term | 12 – 24 months | 6 – 18 months | 6 – 18 months |
| Payment type | Interest only | Interest only | Interest only |
| Draw structure | Milestone-based | Rehab draws | Flexible draws |
| Prepayment penalty | None with many lenders | None with many lenders | None with many lenders |
| Time to close | 10 – 14 days typical | 10 – 14 days typical | 10 – 14 days typical |
Not sure which loan fits your deal?
Tell us about your project and we'll point you to the right structure — no obligation.
Start Your Application