You’re not new to this. You’ve built before, and you’re ready to do it again—bigger, faster, and with fewer headaches.
What you need isn’t a lecture. You need capital that moves as fast as you do.
Because smart financing isn’t just about getting a loan—it’s about unlocking growth. The right structure can free up cash, tighten your timeline, and help you scale with confidence.
At Sound Capital, we don’t just fund projects. We back the builders behind them.
Here’s how to secure a construction loan that works for you—not against you.
What Projects Qualify?
Sound Capital funds ground-up residential construction, including:
- Single-family homes
- Multi-family structures
- Condos
- Townhomes
- Fix-and-flips
- Construction completion
- DSCR rental projects
- Bridge loans for transitional needs
In essence, your land should be shovel-ready (or nearly so) and have the necessary permits in hand. We do not currently finance land purchases or raw lot development.
What You’ll Need to Get Funded
We underwrite builders, not just blueprints.
If you’re experienced and ready to scale, we make funding fast and frictionless. Here’s what we look for:
- Experience: 10+ completed builds with your name on the titles. If you’ve done it, you can do it again—and we’ll back you.
- Credit: A 680+ score shows you’re solid.
- Background: No red flags. Clean and professional.
- The Project: Basic scope, timeline, and budget—we’ll walk through the rest with you.
- Licensed GC (or You): We’ll need proof of licensure, but it’s not our top priority.
No mountains of paperwork. No runaround. Just a lender who gets how you build.
Got a project ready to go? Get a term sheet today.
How the Process Works
1. Start with a Conversation
We begin by getting to know you—your experience, a quick application, and ID. No fluff. Just a genuine conversation to determine if we’re a good fit.
2. Receive a Quick LOI
Next, we review the project basics, including purchase price and date, “as-is” value, any payoff amount, budget, timeline, and whether it’s a single-family or multi-family property. From there, we’ll issue a fast Letter of Intent.
3. Lock in Your Terms
Once you’re pre-approved, we’ll present clear, customized loan terms. No surprises—just a transparent path forward.
4. Submit Final Docs & Close
You’ll provide blueprints, a GC license, and a cost breakdown. Our streamlined process means fast closings and a friction-free draw schedule, so you can stay focused on the build.
Ready to speak to someone on our team? Let’s talk.
Why Builders Choose Sound Capital
Most builders come to us after getting burned—or stuck—with outdated bank regulations or unreliable private lenders. They stay because we give them:
- Less cash required at closing (thanks to insurance-backed lending).
- No cash on deposit.
- No start limits or presales.
- Faster draws that don’t kill momentum.
- Fewer delays and better service.
- A real partnership—not just a loan. We are in it for the long-haul.
Curious about our financing philosophy? Download The Home Builder’s Guide to Smarter Financing to learn more.
Ready to Build?
You don’t need another “how-to” article. You need a lender who gets what it means to build for a living—and what it takes to grow.
We’ve helped hundreds of builders move from 10 homes a year to 50+. We’d love to help you do the same.
