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Builder Finance Inc.

Builder Finance Inc. is a direct lender and servicer providing business-purpose residential real estate financing in 47 states and Washington, D.C. It specializes in construction, builder lines of credit, bridge, fix-and-flip, land, build-to-rent, and DSCR rental loans.

Details and Requirements

Credit Check Required

yes

Last updated: October 9, 2026

Builder Finance Inc.’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$149,216,844

12mo Loan Count

202

Total Loan Volume

$1,446,853,298

Average Loan Size

$315,562

Loan Count by State (Past 12 Months)
NC: 81, FL: 55, TX: 25, SC: 14, GA: 6, UT: 4, MI: 6, NY: 4, CO: 4, WA: 3
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Headquarters: Sioux Falls, South Dakota
  • Company Type: Direct lender and servicer
  • Primary Customers: Home builders, developers, real estate investors, fix-and-flip investors, and rental property investors
  • Loan Types: Construction loans, builder lines of credit, bridge loans, fix-and-flip loans, land and A&D loans, model home loans, build-to-rent loans, fix-to-rent loans, DSCR rental loans, and working capital
  • Property Types: Houses, townhouses, duplexes, triplexes, four-unit properties, and multifamily residential properties
  • Geographic Focus: 47 states and Washington, D.C.
  • Construction Loan Size: Starting at $200,000, with loans up to $4 million per project
  • Builder Line of Credit: Revolving financing with up to five years of borrowing and up to $5 million per project
  • Construction Leverage: Up to 90% LTC, with up to 100% LTC possible with land subordination
  • DSCR Rental Leverage: Up to 80% LTV
  • Build-to-Rent Leverage: Up to 95% LTC for new construction
  • Fix-and-Flip Leverage: Up to 85% of purchase price and up to 100% of eligible closing costs and renovation work
  • Distinguishing Features: Offers posted pricing, online loan estimators, lending guidelines, and same-day construction draws in some cases
  • Licensing: NMLS #1755064; Arizona Mortgage Banker License BK#1002339; Oregon Mortgage Lending License ML-5764

Office Locations

101 S Reid St, #203, Sioux Falls, SD 57103

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Info Our minimum loan amount is $0

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