Construction, AD&C & Spec Builder Loans
Ground-up and phased financing that recycles as homes sell.
Ground-up and phased financing for builders and developers, including spec homes, custom home programs, lot development, and revolving lines that recycle as homes sell.
Typical Terms
Spec & custom · Phased draws · Lot release · Revolving lines that recycle as homes sell
Eligible Properties
- Spec homes
- Custom home programs
- Lot & subdivision development
- Build-on-your-lot
- AD&C revolving lines
What We Need
- Builder / developer profile
- Project budget & schedule
- Plans & specifications
- Lot / site cost basis
- Exit / presale strategy
8-lot custom home program, Tennessee — phased acquisition, development & construction (AD&C) with lot release as homes sold.
Other commercial programs
Construction & AD&C FAQ
What is AD&C?
Acquisition, Development & Construction financing funds the land purchase, site work, and vertical build in phases. Revolving structures recycle capital as finished lots or homes sell, so builders can take on more concurrent projects.
How are draws released?
Draws are released as milestones are verified. The builder submits a draw request, an inspection confirms completion, and funds are disbursed — typically within a few business days — against the approved budget and schedule.