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Excavator On Construction

SBA 7(a) Builder Line of Credit

Keck Capital - Investment Lending
Builder at Work

Flexible Construction Financing for Builders & Developers

At Keck Capital, we understand that construction projects rarely move in a straight line. Delays happen. Draw schedules change. Opportunities come fast.

 

The Builder Line of Credit was designed specifically for builders, developers, and real estate investors who need flexible revolving capital instead of traditional one-time construction loans.
 

Use the line of credit for:

  • Land acquisition

  • New construction

  • Spec homes

  • Vertical construction

  • Small developments

  • Investor projects

  • Ongoing revolving construction needs

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Terms:

  • Size: Up to 5,000,000

  • LTC: 100% of eligible costs

  • Term: 5 Years

  • Fees: Total fees may not exceed 2.5%. For example, if a $1,000,000 line is borrowed and repaid numerous times, fees are limited to $25,000.

  • ​Rate: Rates from prime + 1% to prime +3% for 5 years

  • Other Costs: No other fees you pay. Reimburse lender for third-party expenses including appraisal, recording taxes and fees, etc.

Builder Friendly Features

  • Same day draws possible

  • No pre-sale requirements for SPEC projects

  • No prepayment penalties

  • No required reserve accounts on certain structures

  • Flexible interest payment options may be available

  • Revolving line structure allows continuous reuse of capital​

Long-Term Builder Financing

The goal is simple:

  • easier scaling

  • faster access to capital

  • fewer delays

  • less paperwork

  • more flexibility to grow your business
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Why Builders Use This Program

Talking to banks about a SPEC builder line of credit, guidance line, master revolver, master line, or other long-term builder financing solutions?
 

At Keck Capital, we help builders and developers secure long-term revolving capital designed specifically for SPEC ground-up construction projects.
 

This program can be used for a broad range of residential real estate projects, including:
 

  • Single family homes

  • Duplexes

  • Triplexes

  • Fourplexes

  • Multifamily residential projects

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