BuildersCapital.Loan - Working Capital Loans for Owner-builders

Working Capital Loans for Owners / Builders / Investors

	BuildersCapital.Loan	Traditional Bank (A Construction Loan)
Loan to Value:	100% $15,000 – $350,000	70 – 80% of appraised value
Loan Amount Eligibility:	2.5 X Adjusted Income on your personal tax returns	Varies
Income to Debt Ratio:	40%	40%
Out of Pocket:	None	20 – 30% Downpayment
Fees Paid Out:	Lender and broker fees paid out of loan proceeds	Lender and broker fees paid out of loan proceeds
Restrictions:	No collections No late payments 2 yrs of positive credit history 3 active lines of credit	No collections No late payments 2 yrs of positive credit history 3 active lines of credit
Terms:	36 – 120 months Principal & Interest No prepayment penalty	12-18 months Interest only construction loan
Credit Report:	Soft Credit Report pulled from Experian (Min. 720 FICA score)	Full Credit Report from 3 credit bureaus

Loan Application

Begin your journey to a dream home or investment by completing our simple and hassle-free loan application process. Your path to flexible financing and personalized support starts here.

Dealer's Name*
Please enter your dealer's name. If you do not have a dealer, then please call (818) 849-4865.
Dealer's Phone*
Please enter your dealer's phone number. If you do not have a dealer, then please call (818) 849-4865.
Dealer's Email Address*
Please enter your dealer's email address. If you do not have a dealer, then please call (818) 849-4865.
Name*
Please provide your full legal name as it appears on official documents.
First Middle Last
Address*
Include your current residential address, phone number, and a valid email address for communication.

Street Address Address Line 2 City State ZIP Code
Phone*
Email*
Date of Birth*
Date of Birth (mm/dd/yyyy)
MM slash DD slash YYYY
Requested Loan Amount*
Enter the amount you are seeking for your loan. This should represent the total sum you wish to borrow. (i.e., a number between 15,000 and 350,000)
Please enter a number from 15000 to 600000.
Requested Loan Term (in months)*
Indicate the number of months you would like the loan term to extend. This determines the duration for repayment. (i.e., a number between 36 and 120)
Please enter a number from 36 to 120.
Desired Loan Disbursement Timeframe*
Specify when you would like to have the loan funds disbursed. This helps us understand your timeline and better serve your needs.
FICA Credit Scores*
Provide your current credit score. This helps us assess your eligibility for various loan options.
Type of Income*
Please select one or more options that apply to your income:
- W2
- 1099
- K1
Monthly Gross Income*
State your total income before deductions or taxes on a monthly basis.
Total Monthly Debt Obligations*
Specify your existing monthly financial commitments, including loans, credit card payments, and other obligations.
Housing Status*
Please select your current housing status:
Monthly Mortgage or Rental Payment:*
Please enter your monthly mortgage or rental payment amount (enter 0 if you do not have any payments):
Consent for Soft Credit Check:*
By submitting this loan application, I consent to having a soft credit check from Experian for the purpose of assessing my eligibility for loan products. I understand that this soft credit inquiry will not impact my credit score.
Note: To process your loan application, the loan officer may request a copy of your driver's license, proof of income, bank statements, and two years' tax returns, among other necessary documents.
Email
This field is for validation purposes and should be left unchanged.