Loan Programs
BD Capital offers a complete menu of competitive loan products. Our valued customers execute their business plans without delay when higher leverage and lower rates meet a fast and reliable process.
“As an entrepreneur and CEO, I trust my BD Capital team to help fund and grow my business.” —Corporate client
Loan Types
Program Details
- Land Acquisition & Construction of 1 – 5 Family Residential Properties
- Includes Single Family, Multi-Family, Condos and Townhomes
BD Capital’s New Construction loan product is a reliable financing solution. Our respected clients routinely find our transparent process and speed to close as reasons why we are their preferred private lender.
| Experience Level | Medium |
| Credit Score | 650 |
| Interest Rate | Contact Us |
| Points | 2% |
| Reimbursement Rate on Construction Costs | 100% |
| Loan % to Cost | Contact Us |
| Loan % to After Rehab Value | Contact Us |
| Loan % to Current Value | Contact Us |
| Pre-Payment Penalty | No |
| Cross Collateral / Blanket Loans | Yes |
| Loan Size | $100k – $2.5M |
| Loan Terms | 12 Months |
| Extension Available | Yes |
| Experience | Credit Score Minimum | Interest Rate | Points | Advance Rate On Purchase | Advance Rate On Rehab | ARV | Property Types | Pre-Pay Penalty | Extensions | Blanket Loans | Loan Size | Loan Terms |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Any | 660 | 10%-12% | 0 – 2% | Up to 80% | 100% | Up to 70% | Single Family, Multi Family, Mixed Use | No | Available | Yes | $75K – $2.5M | 12 Months |
Program Details
- For Purchase and Rehab of 1-5 Family Residential Properties
- Includes Single Family, Multi-Family, Condos and Townhomes
BD Capital offers arguably the best Fix & Flip loan product available today. We offer the highest leverage with the lowest rate alongside best-in-class customer service.
| Experience Level | Any |
| Credit Score | 650 |
| Interest Rate | Contact Us |
| Points | 2% |
| Reimbursement Rate on Construction Costs | 100% |
| Loan % to Cost | Contact Us |
| Loan % to After Rehab Value | Contact Us |
| Loan % to Current Value | Contact Us |
| Pre-Payment Penalty | No |
| Cross Collateral / Blanket Loans | Yes |
| Loan Size | $100k – $2.5M |
| Loan Terms | 12 Months |
| Extension Available | Yes |
| Experience | Credit Score Minimum | Interest Rate | Points | Advance Rate On Purchase | Advance Rate On Rehab | ARV | Property Types | Pre-Pay Penalty | Extensions | Blanket Loans | Loan Size | Loan Terms |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Any | 660 | 10%-12% | 0 – 2% | Up to 80% | 100% | Up to 70% | Single Family, Multi Family, Mixed Use | No | Available | Yes | $75K – $2.5M | 12 Months |
Program Details
- Cash Out or Refinance of 1 – 5 Family Residential
- Includes Single Family, Multi-Family, Condos and Townhomes
When a customer needs a short-term loan without any construction proceeds, BD Capital has a product tailored for that situation. Clients appreciate our smooth process that gets to the closing table fast.
| Experience Level | Any |
| Credit Score | 650 |
| Interest Rate | Contact Us |
| Points | 2% |
| Reimbursement Rate on Construction Costs | N/A |
| Loan % to Cost | N/A |
| Loan % to After Rehab Value | N/A |
| Loan % to Current Value | Contact Us |
| Pre-Payment Penalty | No |
| Cross Collateral / Blanket Loans | Yes |
| Loan Size | $100k – $2.5M |
| Loan Terms | 12 Months |
| Extension Available | Yes |
| Experience | Credit Score Minimum | Interest Rate | Points | Advance Rate On Purchase | Advance Rate On Rehab | ARV | Property Types | Pre-Pay Penalty | Extensions | Blanket Loans | Loan Size | Loan Terms |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Any | 660 | 10%-12% | 0 – 2% | Up to 80% | 100% | Up to 70% | Single Family, Multi Family, Mixed Use | No | Available | Yes | $75K – $2.5M | 12 Months |
Program Details
- Purchase, Refinance, and Cash Out Refinance on Residential Rental Properties & Portfolios
- Includes Single Family, Multi-Family, Condos and Townhomes
Rental Property Loans for purchases, refinancing, or cash out refinancing are one of BD Capital’s most sought-after products. Many clients move from a short-term BD Capital construction loan to a long-term rental loan in seamless fashion. BD Capital provides the right product for each transaction with an array of rental property loan options.
| Experience Level | Any |
| Credit Score | 600 |
| Interest Rate | Contact Us |
| Points | 2% |
| Reimbursement Rate on Construction Costs | N/A |
| Loan % to Cost | N/A |
| Loan % to After Rehab Value | N/A |
| Loan % to Current Value | Contact Us |
| Pre-Payment Penalty | Yes |
| Cross Collateral / Blanket Loans | Yes |
| Loan Size | $100k+ |
| Loan Terms | 30 Year Amortization & 5, 7, 10 Year Interest Only |
| Extension Available | No |
| Experience | Credit Score Minimum | Interest Rate | Points | Advance Rate On Purchase | Advance Rate On Rehab | ARV | Property Types | Pre-Pay Penalty | Extensions | Blanket Loans | Loan Size | Loan Terms |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Any | 660 | 10%-12% | 0 – 2% | Up to 80% | 100% | Up to 70% | Single Family, Multi Family, Mixed Use | No | Available | Yes | $75K – $2.5M | 12 Months |
Program Details
- Point 1
- Point 2
Multi-Family Details.
| Experience Level | Any |
| Credit Score | 600 |
| Interest Rate | Contact Us |
| Points | 2% |
| Reimbursement Rate on Construction Costs | N/A |
| Loan % to Cost | N/A |
| Loan % to After Rehab Value | N/A |
| Loan % to Current Value | Contact Us |
| Pre-Payment Penalty | Yes |
| Cross Collateral / Blanket Loans | Yes |
| Loan Size | $100k+ |
| Loan Terms | 30 Year Amortization & 5, 7, 10 Year Interest Only |
| Extension Available | No |
| Experience | Credit Score Minimum | Interest Rate | Points | Advance Rate On Purchase | Advance Rate On Rehab | ARV | Property Types | Pre-Pay Penalty | Extensions | Blanket Loans | Loan Size | Loan Terms |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Any | 660 | 10%-12% | 0 – 2% | Up to 80% | 100% | Up to 70% | Single Family, Multi Family, Mixed Use | No | Available | Yes | $75K – $2.5M | 12 Months |
All Program Details
| Experience | Credit Score Minimum | Interest Rate | Points | Advance Rate On Purchase | Advance Rate On Rehab | ARV | Property Types | Pre-Pay Penalty | Extensions | Blanket Loans | Loan Size | Loan Terms |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Any | 660 | 10%-12% | 0 - 2% | Up to 80% | 100% | Up to 70% | Single Family, Multi Family, Mixed Use | No | Available | Yes | $75K - $2.5M | 12 Months |
Local Lending
Local lending experts take an advisor-first approach that creates lasting relationships with our borrowers – 85% repeat business.
Reliability & Speed
As a direct lender, credit decisions are made internally, and the closing process is rapid with no red tape. Construction draws are processed quickly while the flow of funds is swift.
All Product Types
A full suite of lending products meets each unique borrower’s needs including loans for rentals, short-term bridge, fix & flips, new construction, and residential development.
In-House Team
Business Development, Closing Coordination, Servicing, Construction, and Underwriting are each professionally executed by an internal team ensuring a positive customer experience.