Forget the fluff. Here’s what actually matters when you need financing to build.
You’ve got a project ready to go. But getting a construction loan can feel like threading a needle blindfolded.
Banks want paperwork. Lots of it. They ask for years of history, make you jump through endless hoops, and still leave you hanging for weeks.
At Sound Capital, we cut through the clutter. Here’s what you need to qualify—and how we make it easier than banks and other private lenders.
Proven Track Record
Here’s the deal: We don’t require financial information.
Why? Because experience tells us everything. If you’ve done it before—and done it well—that’s what matters most.
Here’s what we look for:
- A strong track record of successful builds.
- Your name on title (real skin in the game).
- A clean background and solid reputation.
If you’ve done it a dozen times, we believe you can do it again—and we’ll back you.
Banks might say no. We might say yes.
A Clear Plan
Lenders want to know what you’re building, how much it will cost, and when it will be finished—no surprise there.
Here’s what we look for:
- A clean set of plans.
- A realistic construction timeline.
- A budget that shows you’ve thought it through.
If you’ve built before and know how to stay on schedule, we’ll take that over some bloated spreadsheet with ten tabs any day.
What Projects Does Sound Capital Fund?
We focus exclusively on residential construction projects, and we know them inside and out—because construction loans are all we do. Whether you’re building from the ground up or buying time to finish strong, we’ve got a financing solution that fits.
Here’s what we fund:
Ground-Up Construction
From dirt to done. We fund single-family, multi-family, condos, and townhomes—whether you’re building one unit or scaling to dozens.
Fix-and-Flips
Have you found a deal? Do you need to move quickly? We provide funding for acquisition, renovation, and resale without the red tape that kills momentum.
Construction Completion
Has your project stalled? We’ll help you pick up where others left off, with funding to get your build across the finish line.
Bridge Loans
Our bridge loans are ideal for projects where you need time to lease up or construction loans that need extra runway—giving you flexible capital without delays.
DSCR Loans (Debt-Service Coverage Ratio)
For rental properties with predictable income, we offer DSCR-based loans that prioritize cash flow over tax returns—perfect for growing your portfolio.
We do not fund commercial construction or raw land development currently, but we’re all ears if it’s a residential property with a clear plan and substantial upside.
Need clarity on what you qualify for? Talk to our team →
How to Apply Without Losing Your Mind
Most lenders bury you in forms and radio silence. We do things differently. Here’s what it looks like to apply with us:
1. Let’s Talk First
Skip the mystery. Request a term sheet, we’ll run the numbers and give you a real answer, not a vague maybe.
2. Review Your Options
If it’s a fit, we’ll walk you through your options—how much we’ll fund, how draws work, and how fast you can move.
3. Send in the Docs
We’re not asking for your life story. Just the essentials—budget, timeline, plans, and financials. We’ll guide you through it.
4. Get to Work
Once you’re approved, we close fast and fund fast. Our draws don’t drag, and we don’t freeze up when the market does.
Bottom Line: We’re Built for Builders
You’ve got enough on your plate—subs, schedules, clients, chaos. The last thing you need is a lender who slows you down.
At Sound Capital, we’re not bankers. We’re financing pros who know what it takes to build something real—because we’ve been in the trenches with builders like you.
Want more cash at closing, fewer hoops, and funding that works at your speed? Let’s talk →
Or if you’re still exploring, check out our Construction Loans overview to learn how we help builders scale smarter.
