BCCG’s Long-Term/Construction-to-Perm Loan Program
Private Capital for Ground-Up & Build-to-Rent Development – BCCG provides single-close construction-to-permanent financing for experienced developers, builders, and construction companies executing income-producing real estate projects nationwide. Capital is sourced from family offices and private investors, delivering execution certainty and structural flexibility beyond traditional bank and agency constraints.
What We Finance
We support projects from land acquisition through construction, lease-up, stabilization, and permanent financing—all under one capital solution.
Loan Proceeds May Include:
- Land acquisition and assemblage
- Horizontal development and infrastructure
- Vertical construction
- FF&E
- Capitalized interest and interest reserves
- Marketing, pre-leasing, and stabilization carry
Capital Structure Highlights
- Loan Amount Range: $10M – $150M+
- Loan Type: Construction-to-Perm (single closing)
- Leverage:
- Up to 100% LTC, provided total capitalization does not exceed 85% CLTV
- Stabilized LTV: Typically 60% – 70%
- DSCR: ≥ 1.20x – 1.30x at stabilization
- Occupancy Assumptions: 85% – 95% at stabilization
- Recourse: Non-recourse available for qualified sponsors (standard carve-outs apply)
Tier 1 Target Asset Classes – Residential & Multifamily (Core Focus)
Institutional-quality residential assets with durable demand fundamentals and strong exit liquidity:
- Residential Investment Properties (2-4 Units)
- Market-rate and mixed-income apartment communities
- Built-to-Rent (BTR) communities
- Townhomes
- Villas (detached and semi-detached)
- Loft-style residential properties
- Student housing (purpose-built or conversion)
- Senior housing and assisted living
- Manufactured housing and mobile home communities
- Workforce, low-income, and subsidized housing
- Extended-stay and corporate housing
Tier 1 assets benefit from priority leverage, pricing, and structural flexibility.
Tier 2 – Commercial & Specialty Assets – Other Commercial Properties
Cash-flow-oriented commercial developments evaluated with enhanced tenancy and market criteria:
- Office (medical, professional, and select suburban/mixed-use)
- Retail (neighborhood, lifestyle, and mixed-use ground floor)
- Industrial (flex, light manufacturing, logistics, last-mile)
- Self-storage (including climate-controlled facilities)
- Hospitality (limited-service and extended-stay hotels)
- Single-tenant properties
- Restaurants (QSR and full-service)
- Auto service and repair
- Retail storefronts
- Daycare and early education facilities
Sponsor Profile
Our platform is built for execution-driven sponsors, not speculative developers.
We look for:
- Proven development and construction track records
- Institutional-grade budgets, schedules, and third-party reports
- Experienced GC, architect, and engineering teams
- Market-supported rent, absorption, and stabilization assumptions
Why BCCG
- Single-Close Certainty: Eliminate refinance risk with construction-to-perm execution
- Private Capital Speed: Faster approvals and flexible structuring
- Sponsor-Aligned Leverage: Capital designed to support development economics
- Nationwide Reach: Primary, secondary, and select tertiary markets
From Ground-Up to Stabilized Yield—One Capital Partner
BCCG delivers private capital solutions designed to move projects from entitlement to stabilized operations—without the friction of traditional lending constraints.