Explore Shepherd’s Finance and Our Financing Solutions for Home Builders

In the dynamic home building and development world, access to reliable financing can make a significant difference in turning visions into reality. Shepherd’s Finance recognizes builders’ unique challenges, so we’ve designed our specialized financing solutions to support your journey every step of the way. Our construction spec loans offer the freedom to focus on quality craftsmanship without the stress of financial constraints. Our streamlined processes and dedicated support team ensure you’re well-equipped to navigate the complexities of construction financing. Dive into our offerings and discover how partnering with Shepherd’s Finance can elevate your business and drive your success in the competitive housing market.

A construction spec loan is a specialized type of financing designed specifically for builders. This funding enables them to cover the costs of new construction projects, such as labor, materials, subcontractors, and related expenses. This allows builders to focus on creating high-quality homes without the burden of upfront financial constraints.

At Shepherd’s Finance, we believe in making the borrowing process accessible for qualified builders. Our eligibility criteria are intentionally simple, ensuring your seamless experience from application to funding.

To qualify for a construction spec loan, you must meet the following requirements:

When you work with Shepherd’s Finance, you can access financing options that significantly enhance your construction capacity. We offer up to 70% loan-to-value (LTV), which covers not just building costs but also lot costs. This generous coverage allows you to maximize your investment potential. Our policy of no draw fees or limits ensures you can access your funds efficiently, giving you the financial flexibility to keep your project on schedule and within budget.

To further assist you, we have streamlined our application and closing processes. This means reduced paperwork and faster approvals, allowing you to focus on what you do best: building homes. Our dedicated team of experienced lending professionals is committed to understanding your unique business needs and providing customized solutions tailored just for you.

Opting for Shepherd’s Finance means more than just securing funding; you partner with a financial ally dedicated to your growth and success. Our team takes the time to understand your business model, project goals, and future aspirations. We strive to foster long-term relationships with our borrowers, which enables us to offer personalized support and guidance throughout your journey.

Shepherd’s Finance differentiates itself by treating our borrowers as valued partners rather than just transactions. We pride ourselves on providing a more efficient lending experience by offering quicker closing times, a user-friendly application process, and terms that encourage better cash flow management. Our unique approach helps you complete your builds more rapidly and take on larger projects with confidence.

In addition to our construction spec financing, Shepherd’s Finance is committed to fostering growth and creating opportunities for our borrowers. Our services go beyond loans; here are some of the key offerings that can further enhance your business:

Our dedicated accounting services, led by our Director of Accounting Services (a licensed CPA), allow builders like you to manage their finances effectively. We handle financial reporting, budgeting, and compliance intricacies, enabling you to concentrate on your projects without financial worry.

This innovative program allows builders to collaborate with us to offer prospective buyers reduced mortgage rates, making their homes more appealing in a competitive market. This advantage can significantly increase your sales potential and improve buyer satisfaction.

We facilitate partnerships with one of the country’s largest modular home manufacturers, allowing our builders to access high-quality materials with no immediate deposit required. This arrangement optimizes your cash flow, reduces upfront costs, and minimizes labor expenses, enabling you to allocate resources more efficiently.

As you establish a successful partnership with Shepherd’s Finance, you unlock access to exclusive benefits tailored to our returning borrowers. We understand the importance of building lasting relationships and are committed to providing additional lending options, including lot loans, special financing terms, and increased capital to support your growing business.

If you are eager to take your construction projects to the next level, we invite you to connect with us today! Click here to contact our team and explore how we can support your success.

We invite you to consider how Shepherd’s Finance can help you empower your residential construction projects. With our tailored lending solutions and business growth services, we’re here to support you at every step. Thank you for being with us—let’s build something remarkable together! Find your regional sales manager today for more information or to get started. Happy building!