You bring the vision. We help finance what’s next. Your first investment build or a larger residential development—with guidance from a dedicated account executive.
First-time builders. Experienced contractors. Established developers. Financing subject to borrower, contractor, project, and program qualifications.Looking for a DSCR or fix & flip loan? →
BLUEPRINT → YOUR NEXT POSSIBILITY
First-time & experienced buildersDedicated account executivePersonal guidance through closing
First-time builder options
Your first build. With guidance.
We consider first-time project owners working with a qualified general contractor. Bring your plans and specifications, and we’ll explore the financing options with you.
We review your GC’s qualifications and experience with similar projects. Your contractor does not need to become a member of your borrowing entity.
Planning a residential community, phased development, or multiple builds? We’ll discuss the scope, capital needs, construction schedule, and exit strategy.
Explore project-specific financing opportunities with an account executive who stays involved as you work through the details.
You’ve built for others. Now build something of your own.Bring your construction experience to your own investment project. We’ll help you understand the financing options and what’s needed to move forward.
Construction financing options
Capital for one home. Options for what comes next.
Ground-up homes, tear-downs and rebuilds, small residential projects, and larger developments—with build-to-sell and build-to-rent options.
Individual & smaller residential projects
$75,000–$10 million
Interest rates from 8.90%*Up to 90% of total project costsUp to 75% of completed value9–24-month term options, with extensions available through select programs.
Larger residential developments
Opportunities up to $200 million
Discuss financing for communities, phased construction, land development, or multiple projects through select programs and capital relationships.
Structured around the development.Loan size, pricing, leverage, term, and release structure receive project-specific review.
*Starting interest rates apply to qualifying projects in select programs, exclude origination, closing, and other fees, and are subject to change. Loan size, pricing, leverage, and terms depend on the borrower, contractor, property, and selected program. Advertised maximums and the starting rate are not necessarily available together. Larger-development terms are reviewed case by case and depend on sponsor experience, underwriting, and capital availability.
Clear guidance. Timely answers.
A relationship that starts with your project.
We take the time to understand your plans and explain the available options. Your dedicated account executive remains your contact from the initial conversation through closing.
Have these details handyProperty address · Acquisition or payoff amount · Construction budget · Estimated completed value · Plans and specifications · Relevant building experience
01
Share the project.
Complete the guided overview, or start with a call if you want to talk through the plan first.
02
Get initial feedback.
Same-day quotes may be available once we receive the information needed to evaluate your project.
03
Move forward with your team.
Your executive guides the next steps while a processor helps coordinate documentation.
Where We Lend
A location. A plan. A conversation.
Start with your project’s location. Your CapSource executive will confirm the programs available for the property, project scope, and borrowing entity.
Preliminary coverageOutside our lending area
Choose a state on the map or from the list.
Preview: initial licensing screen, including North Carolina. Construction-program availability still needs confirmation. Additional coverage is under review.
Coverage is specific to the property and financing program. Local restrictions and borrower qualifications apply. This map does not determine eligibility or constitute a financing commitment.
About CapSource
Invested in the project. Committed to the relationship.
Construction financing starts with understanding what you want to build. At CapSource, we take a consultative approach: listening to your plans, explaining the available options, and helping you understand the path ahead.
Whether you’re a contractor taking on your first investment build or an established builder planning a larger development, you’ll have a dedicated account executive to guide the conversation and stay involved through closing.
A published client reflection on working with John O’Leary and the CapSource team.
“He was very responsive, answered all my questions, worked quickly and a real pleasure to work with.”Scott Westberg · CapSource clientRead the published client feedback ↗
Before you begin
A few things worth knowing.
Can you consider my first investment build?
Yes. First-time builders may be considered with a qualified GC and plans and specifications ready for review. Your contractor’s experience should fit the project’s type, scale, and complexity. We verify licensing as applicable.
Does my GC need to join my borrowing entity?
No. We don’t require your GC to become a member of your borrowing entity. Their qualifications and relevant experience remain part of the project review.
How are construction draws handled?
Draw requests are coordinated through the loan’s servicing team. Your CapSource executive can help explain the process and connect you with the appropriate contact. Requirements and timing vary by program.
How quickly can I receive a quote?
Same-day quotes may be available when we have the information needed to evaluate the project. Your executive will help identify what’s needed.
Will I keep the same account executive?
Yes. Your executive stays involved from the initial conversation through closing. A processor also helps coordinate documentation.
Can a broker submit a project?
Yes. Choose Broker at the beginning. We collect your contact details separately from the borrower’s.
Is the overview a loan application or approval?
It is an initial request for review. Additional information may be needed to quote or approve financing. The overview asks for an estimated credit range and does not run a credit check.
More ways to move forward
Looking for a different kind of financing?
Your next opportunity may be a rental property or a renovation. CapSource can help you explore those options, too.
BUY · HOLD · REFINANCE
DSCR Rental Loans
Looking to purchase or refinance an investment rental property? Let’s discuss financing around your rental plans.
BUY · RENOVATE · SELL
Fix & Flip Loans
Have a property to improve and resell? Talk with us about financing for the purchase and renovation.
Different programs have different terms and coverage. We’ll review the property and your goals with you.
Private preview · Use fictional details. No credit check.
Review draft · October 20, 2026. This describes the proposed production website. Confirm the actual vendors, data practices, retention schedule, and applicable privacy rights before publication. It is not an adopted CapSource policy.
Who this policy covers
This policy is intended to explain how CapSource LLC handles information collected through capsourceconstruction.com and related project inquiries. Separate notices may apply to a loan application, a financing provider, or another service you choose to use.
Information provided with a project inquiry
The proposed project overview requests your role as borrower or broker, property or parcel details, financing purpose, project costs and estimated completed value, relevant building experience, an estimated credit range, company and contact details, and any existing CapSource executive relationship. Brokers may provide borrower contact information as well as their own. Please provide information you are authorized to share.
Do not enter Social Security numbers, account credentials, bank account numbers, or sensitive supporting documents into the initial project overview. If further documentation is needed, the team will explain the next step.
How information is intended to be used
Project and contact information would be used to respond to your inquiry, assess potential financing options, route your overview to an account executive, coordinate follow-up, and administer the financing process. A quote request would not itself run a credit check or guarantee financing.
Service providers and financing relationships
The planned workflow includes email delivery and eventual Zoho CRM lead management. Scheduling takes place through Zoho Bookings. Depending on the project and how financing is arranged, information may need to be disclosed to relevant financing providers and service professionals to evaluate or process a request. The final policy must identify the actual categories of recipients and purposes before launch.
Links to other websites take you to services with their own privacy practices. Review their notices before entering information.
Website data and optional tracking
A production website may generate technical records such as IP addresses, browser information, page requests, and security logs through its hosting and service providers. The final notice must describe the tools actually enabled. Optional analytics and advertising tools have not been added to this prototype. The cookie controls demonstrate the proposed choices.
This preview loads a font from Google Fonts. That request exposes standard connection information to the font provider. Form answers stay in this page’s memory until the page is reloaded; they are not sent to CapSource, email, or Zoho. Cookie preference choices may be saved in this browser’s local storage. A call-booking link opens the live external booking service.
Retention, security, and your choices
The production policy must set out how long inquiry and loan-related records are retained, how that is determined, and the safeguards used. Those details are still being confirmed. Contact CapSource to ask about your information, request corrections, or discuss any privacy rights that may apply. Requests may require identity verification and may be subject to legal or recordkeeping obligations.
Before launch, CapSource must confirm which state privacy laws apply and provide any required request methods, notices, and sale or sharing opt-outs. This draft makes no unverified claim that information is sold, shared for advertising, or never disclosed.
A publication date and update process will be added when the final policy is approved.
Website preferences
Cookie Policy
Review draft · The production cookie inventory and third-party tools must be checked before publication.
Cookies and similar technology
Cookies are small files stored by a website. Browser local storage is another way a site can remember preferences. A production site may use essential technologies for site operation and optional technologies to measure usage or support advertising.
What this prototype uses
No optional analytics or advertising scripts are installed. The prototype can store a record named capsource-cookie-choice-v1 in your browser’s local storage when you save a choice. It contains the chosen categories and save time, not your project answers. If storage is unavailable, the choice is remembered only while the page stays open.
The architectural images are embedded. The typeface is requested from Google Fonts. The preference controls do not block that font request. External scheduling opens Zoho Bookings, which operates separately.
Proposed choices for the finished website
Essential functions would remain available. Optional analytics and marketing categories would start off and would need to be connected to the actual script controls before launch. Accepting optional categories here records a demonstration choice; it does not activate trackers.
If this browser sends a Global Privacy Control signal, marketing remains off in this demonstration. Implementation and any legally required opt-out handling must be verified against the finished site.
Third-party inventory
Before launch, list each active technology, provider, purpose, category, and duration here. Recheck after adding forms, address suggestions, scheduling embeds, analytics, advertising, video players, or security services.
Website information
Website Terms & Financing Disclosures
Review draft · Confirm the legal entity, transaction-role descriptions, required licensing disclosures, and applicable terms with counsel before publication.
General information
The website presents construction-financing information for business-purpose real estate investment projects. Information is general and does not constitute an offer, approval, commitment to lend, or individual legal, tax, or investment advice.
Availability and advertised terms
Borrower, property, project, and program qualifications apply. Rates, fees, loan amounts, leverage, timing, and terms depend on the applicable program and underwriting. Advertised maximums and minimums may relate to different programs and may not be available together. Rates and guidelines can change.
The construction lending map shows preliminary coverage based on CapSource’s initial screening rules. State-level coverage does not establish that a particular program, property, or project qualifies. Local restrictions may apply. Larger-development opportunities are reviewed individually.
Quotes and project submissions
A project overview is an initial request for review. Additional information may be required. Same-day quotes may be available when the information needed to assess a project has been received; timing is not guaranteed. A quote or preliminary discussion is subject to further review and final documentation.
Provide accurate information and submit another person’s information only when authorized. The final intake should explain data use at the point of collection and link to the approved privacy notice.
Financing arrangements
The role of CapSource and any other party in a transaction, together with the final lender, fees, obligations, and financing terms, will be described in the applicable transaction documents. Construction draws are administered through the loan’s servicing team under the applicable loan requirements.
Images, links, and contact
Architectural images illustrate the design concept and do not depict a claimed funded project. Links to other services are provided for convenience. Questions about the site or financing information can be directed to loans@thecapsource.com or 800-663-4122.
Help using the website
Accessibility
Review draft · Publish after testing the completed website and confirming the assistance process. This is not a claim of certified conformance.
Access to information and assistance
We want visitors to be able to explore financing options and contact CapSource. If you have difficulty using the website, please call 800-663-4122 or email loans@thecapsource.com. Include the page, the difficulty encountered, and your preferred way for us to respond. Please avoid sending sensitive financial information in an accessibility request.
Features included in this preview
The state selector provides an alternative to selecting the map. Motion can be paused, and reduced-motion preferences are respected. Form controls have visible labels, errors are announced, and keyboard focus is visible.
Before launch
Test the completed experience with keyboards, screen readers, magnification, mobile devices, and reduced motion. Include the calendar, any address-suggestion service, and the live submission flow in that review.
Your privacy choices.
No optional tracking is active in this preview. Try the controls for the finished site: optional analytics and marketing start off. Your choice is stored only in this browser when available.
Global Privacy Control detected. Marketing remains off.
Private prototype notes
The animation blends four architectural renders. Production animation will require a consistent rendered sequence. Coverage reflects the initial Kiavi licensing screen and your confirmed list of 13 excluded states, including Utah. North Carolina remains included. No states have a pending coverage status in this screen. The sheet does not independently establish new-construction program availability. Easy Street additions have not yet been applied. This coverage screen does not automate lending decisions. The first-time-builder criteria, dedicated account executive, processor support, and conditional same-day quote copy reflect the business details you supplied. Loan-size copy now distinguishes individual/smaller-project programs from larger-development opportunities up to $200 million, as requested. The program section includes the approved leverage limits and an 8.90% starting interest rate from the reviewed partner page. That page’s FAQ contains a conflicting rate, so the starting figure should be checked against the current partner rate sheet before launch. Rates are not applied to larger facilities. All inquiries are intended for loans@thecapsource.com. A selected executive is recorded as requested only. CRM ownership must be reviewed before internal assignment; no auto-assignment or reassignment is connected. Delivery is not connected. Address autocomplete, delivery to email, Zoho CRM, and booking-completion tracking are not connected. Scheduling links open Mark Munson’s live Zoho Bookings page.
Quote completions and scheduling-link clicks are counted only in browser memory for prototype checking. A calendar click is not counted as a booked appointment. No form answers leave this page.