Builders Commercial Capital Group (BCCG) is a private real estate investment and lending platform providing integrated short-term and long-term project financing solutions across residential and commercial asset classes. BCCG combines venture-capital flexibility with institutional commercial lending discipline to deliver capital structures aligned with construction execution, stabilization timelines, and long-term asset performance for professional developers, builders, and owner-operators nationwide.
Tier 1 – Short-Term Construction & Lot-Level Financing
Tier 1 financing is designed for rapid-execution, built-to-sell projects where capital efficiency and speed are critical. These loans support vertical construction and shovel-ready land development with repayment tied to inventory sales.
Typical Tier 1 Project Types
- Single-family new construction (spec and presold homes)
- Fix-and-flip residential properties
- Shovel-ready homesites
- Finished or near-finished residential land lots
- Small-batch residential construction projects
Typical Tier 1 Loan Structures & Terms
- Loan Size: $100,000 – $5,000,000
- Term: 6–36 months
- Leverage: Up to 100% Loan-to-Cost (LTC); up to 90% CLTV
- Rate Structure: WSJ Prime Rate + 100–500 basis points
- Payments: Interest-only during the loan term
- Repayment: Principal repaid upon sale of unit inventory
- Recourse: 100% non-recourse
- Funding: Draw-based construction funding
- Fees: 2% – 5% origination points; standard third-party costs
Tier 2 – Long-Term Residential & Mixed-Use Project Financing
Tier 2 financing supports longer-horizon residential and mixed-use developments that require extended construction, lease-up, and stabilization periods. Capital is structured to accommodate multi-phase execution and income generation.
Typical Tier 2 Project Types
- Multifamily apartment developments
- Hotels and hospitality properties
- Senior housing communities
- Student housing developments
- Corporate housing projects
- Built-for-rent (BFR) communities
- Mixed-use developments (apartments over retail)
Typical Tier 2 Loan Structures & Terms
- Loan Size: $5,000,000 – $100,000,000+
- Term: 24–60 months (including construction and stabilization)
- Leverage: Up to 85–90% LTC, subject to asset type
- Rate Structure: Fixed or floating, typically Prime or SOFR-based spreads
- Payments: Interest-only during construction; partial amortization optional post-stabilization
- Repayment: Refinance, recapitalization, or long-term hold
- Recourse: Non-recourse with standard carve-outs
- Funding: Construction-to-permanent or mini-perm structures
- Fees: Market-based origination and third-party costs
Tier 3 – Long-Term Commercial & Special-Purpose Financing
Tier 3 financing addresses stabilized, transitional, or special-purpose commercial assets, offering flexible capital solutions for ownership, refinancing, recapitalization, and portfolio optimization.
Typical Tier 3 Project Types
- Office buildings (single-tenant and multi-tenant)
- Retail properties and shopping centers
- Industrial, warehouse, and logistics facilities
- Self-storage facilities
- Single-tenant net-leased assets
- Special-purpose properties
Typical Tier 3 Loan Structures & Terms
- Loan Size: $3,000,000 – $100,000,000+
- Term: 5–10+ years
- Leverage: Up to 70–80% LTV (higher for strong tenancy and credit)
- Rate Structure: Fixed-rate or floating-rate options
- Payments: Amortizing or interest-only periods available
- Repayment: Long-term hold, refinance, or portfolio exit
- Recourse: Non-recourse with standard carve-outs
- Funding: Permanent, bridge-to-perm, or portfolio loans
- Fees: Market-based origination, legal, and third-party costs
Why Developers & Operators Partner with BCCG
- Capital solutions spanning construction through stabilization and long-term ownership
- Tiered financing platform aligned with project scale and complexity
- High-leverage options that preserve sponsor equity
- Non-recourse structures across most asset classes
- Flexible underwriting focused on execution and cash flow, not rigid formulas
- Ability to support multi-project and multi-asset portfolios