Built for builders & GCs
Financing That Keeps Crews Moving
When you've delivered projects before, financing should reflect it. We structure construction capital around your build cadence, your numbers, and your track record.
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Spec Builds Without Pre-Sales
Proven builders can fund speculative single-family and multi-unit builds without pre-sale or tenant commitments — build to the market you already know.
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Construction-to-Permanent
One closing, one set of fees. Lock permanent terms during construction and convert automatically at completion — no second approval scramble.
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Builder Track-Record Framing
A documented history of completed builds unlocks higher leverage and faster commitments. Your portfolio of finished projects is the qualification.
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Draw Schedules That Fit Your Cadence
Draws release on your milestones — foundation, framing, lock-up — with interest only on disbursed funds and inspection timing that matches your schedule.
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Major Renovation & Conversion
Fund gut renovations, adaptive reuse, and value-add repositioning based on the After-Repair Value — purchase plus renovation in one facility.
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Working With Experienced GCs
Bringing a strong general contractor to a project strengthens the file. We structure deals around the experienced teams that get builds across the line.
Where builders go next
Financing Hubs for Your Next Build
From a single spec home to multi-residential — explore the program that matches your project.
Development & Construction
Ground-up construction, spec builds, construction-to-permanent, and draw financing.
Commercial Mortgages
Office, retail, industrial, and mixed-use financing for builders and operators.
Multi-Family Financing
5+ unit apartment and rental financing — for new builds and value-add projects.
CMHC MLI Select
CMHC-insured multi-residential financing up to 95% LTV — the take-out for qualifying builds.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity's Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Builder & Contractor Financing FAQ
Common questions from experienced builders and general contractors financing construction.
Spec & Construction Loans
Qualification
Lining up your next build? Let's structure construction capital that matches your track record.
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