Builders Commercial Capital Group (BCCG) is a private real estate investment and lending platform providing integrated short-term and long-term project financing solutions across residential and commercial asset classes. BCCG combines venture-capital flexibility with institutional commercial lending discipline to deliver capital structures aligned with construction execution, stabilization timelines, and long-term asset performance for professional developers, builders, and owner-operators nationwide.
Tier 1 – (Large-Scale) Short-Term Construction & Lot-Level Financing
Tier 1 financing is designed for rapid-execution, built-to-sell projects where capital efficiency and speed are critical. These loans support vertical construction and shovel-ready land development with repayment tied to inventory sales.
Typical Tier 1 Project Types
BCCG specializes in large-scale, short-term 100% LTC (Loan-to-Cost) construction financing designed to accelerate residential development projects from acquisition through vertical build-out. By funding the full cost of construction and development, BCCG enables experienced sponsors and builders to preserve equity while maintaining momentum across multiple phases. These loans are structured for speed, flexibility, and scalability—making them ideal for developers executing high-volume residential strategies in competitive markets.
-
For Raw, Vacant, and Land Development Projects, BCCG provides capital solutions that cover horizontal improvements such as grading, utilities, roadwork, and infrastructure installation. Whether preparing undeveloped land for entitlement or transforming entitled parcels into build-ready lots, BCCG’s short-term financing ensures developers can move efficiently from land acquisition to vertical construction without capital gaps slowing progress.
-
In-Fill single-family subdivision developments, BCCG supports builders constructing multiple homes simultaneously within planned communities. The 100% LTC model is particularly advantageous for phased rollouts, allowing developers to fund site work, model homes, and production builds under a unified capital structure. This approach strengthens cash flow management while positioning projects for strong absorption rates and timely market delivery.
-
For Townhome Developments, BCCG’s construction loans are structured to accommodate attached housing formats that often require coordinated sequencing and shared infrastructure components. From foundation to final finishes, financing is aligned with construction milestones to ensure steady draw schedules and predictable timelines. This flexibility helps developers optimize density while maintaining build quality and schedule efficiency.
-
Condominium Construction Projects also benefit from BCCG’s large-scale lending capacity. Whether ground-up mid-rise, garden-style, or luxury condo developments, the short-term structure is tailored to bridge the gap from construction completion through sell-out. By covering full project costs, BCCG empowers developers to maintain liquidity during marketing and sales periods without seeking additional mezzanine or preferred equity capital.
-
For Condo Conversion Projects, supporting the transformation of existing multifamily properties into individually owned units. These loans cover renovation, repositioning, and required compliance upgrades, allowing sponsors to enhance property value and prepare units for sale. With fast underwriting and scalable funding capabilities, BCCG delivers the capital strength needed to execute high-volume conversion strategies efficiently and profitably.
Typical Tier 1 Loan Structures & Terms
- Loan Size: $5,000,000 – $100,000,000+
- Term: 12–60 months
- Leverage: Up to 100% Loan-to-Cost (LTC); up to 90% CLTV
- Rate Structure: WSJ Prime Rate + 100–500 basis points
- Payments: Interest-only during the loan term
- Repayment: Principal repaid upon sale of unit inventory
- Recourse: 100% non-recourse
- Funding: Draw-based construction funding
- Fees: 2% – 5% origination points; standard third-party costs
Tier 2 – Long-Term Residential & Mixed-Use Project Financing
Tier 2 financing supports longer-horizon residential and mixed-use developments that require extended construction, lease-up, and stabilization periods. Capital is structured to accommodate multi-phase execution and income generation.
Typical Tier 2 Project Types
- Multifamily apartment developments
- Hotels and hospitality properties
- Senior housing communities
- Student housing developments
- Corporate housing projects
- Built-for-rent (BFR) communities
- Mixed-use developments (apartments over retail)
Typical Tier 2 Loan Structures & Terms
- Loan Size: $5,000,000 – $100,000,000+
- Term: 24–60 months (including construction and stabilization)
- Leverage: Up to 85–90% LTC, subject to asset type
- Rate Structure: Fixed or floating, typically Prime or SOFR-based spreads
- Payments: Interest-only during construction; partial amortization optional post-stabilization
- Repayment: Refinance, recapitalization, or long-term hold
- Recourse: Non-recourse with standard carve-outs
- Funding: Construction-to-permanent or mini-perm structures
- Fees: Market-based origination and third-party costs
Tier 3 – Long-Term Commercial & Special-Purpose Financing
Tier 3 financing addresses stabilized, transitional, or special-purpose commercial assets, offering flexible capital solutions for ownership, refinancing, recapitalization, and portfolio optimization.
Typical Tier 3 Project Types
- Office buildings (single-tenant and multi-tenant)
- Retail properties and shopping centers
- Industrial, warehouse, and logistics facilities
- Self-storage facilities
- Single-tenant net-leased assets
- Special-purpose properties
Typical Tier 3 Loan Structures & Terms
- Loan Size: $3,000,000 – $100,000,000+
- Term: 5–10+ years
- Leverage: Up to 70–80% LTV (higher for strong tenancy and credit)
- Rate Structure: Fixed-rate or floating-rate options
- Payments: Amortizing or interest-only periods available
- Repayment: Long-term hold, refinance, or portfolio exit
- Recourse: Non-recourse with standard carve-outs
- Funding: Permanent, bridge-to-perm, or portfolio loans
- Fees: Market-based origination, legal, and third-party costs
Why Developers & Operators Partner with BCCG
- Capital solutions spanning construction through stabilization and long-term ownership
- Tiered financing platform aligned with project scale and complexity
- High-leverage options that preserve sponsor equity
- Non-recourse structures across most asset classes
- Flexible underwriting focused on execution and cash flow, not rigid formulas
- Ability to support multi-project and multi-asset portfolios