Capital for Builders & Developers
From land acquisition to vertical construction, we provide the capital you need to bring your vision to life. Ground-up financing with in-house draw management and fast funding.
Start Your ProjectConstruction Loan Terms
Competitive rates for experienced builders
What We Finance
Select a project type to see financing details and requirements.
Single Family
Spec homes & custom builds
Townhomes
Attached & row homes
Multifamily
2-20 unit buildings
Subdivisions
Land development & lots
Single Family Construction
Build spec homes or custom residences with flexible financing that covers land, construction, and soft costs. Perfect for builders doing one-off projects or small infill developments.
Townhome Development
Finance attached housing projects including townhomes, row homes, and duplexes. We understand the unique phasing and release requirements of townhome developments.
Multifamily Construction
Ground-up financing for apartment buildings from 2 to 20 units. Build rental housing with flexible exit options—refinance into permanent financing or sell upon stabilization.
Land & Subdivision Financing
Acquire raw land, fund entitlement and horizontal improvements, and develop finished lots. We finance the entire land development lifecycle from acquisition to lot sales.
How Our Draw Process Works
Construction funds released in stages as you complete milestones.
Foundation Complete
Footings poured, foundation walls complete, waterproofing and backfill done.
15% DrawFraming & Roof
Structure framed, roof sheathing and felt installed, windows and exterior doors set.
25% DrawMechanicals Rough-In
Electrical, plumbing, and HVAC rough-in complete. Insulation installed.
25% DrawDrywall & Interior
Drywall hung and finished, interior trim, cabinets, and countertops installed.
20% DrawFinal Completion
Flooring, fixtures, appliances, landscaping, and final punch list items complete.
15% DrawConstruction Budget Calculator
See your draw schedule based on your project budget.
Total Loan Amount (90% LTC)
$382,500
Projects We've Funded
From single homes to multi-unit developments—see what we've built together.
Modern Spec Home
$1.2M Construction Loan • Chicago, IL
Custom Build
$850K Construction Loan
6-Unit Townhome
$2.4M Development Loan
12-Unit Apartment
$3.5M Construction Loan
Luxury Custom Home
$1.8M Construction Loan
Why Builders Choose Matrix
We understand construction because we've been in your boots.
Fast Draw Funding
Request a draw and get funded within 48-72 hours. We don't slow down your project with lengthy inspections.
In-House Management
No third-party draw administrators. Our team manages draws internally for faster decisions and fewer headaches.
High Leverage
Up to 95% loan-to-cost means you keep more capital for multiple projects instead of tying it all up in one.
Close What We Quote
No bait and switch. The terms we quote are the terms you get. No surprises at closing.
Builder Relationships
We value repeat borrowers. Build with us once and enjoy faster approvals and better terms on future projects.
Flexible Exit Options
Sell the completed property or refinance into long-term DSCR financing. We'll help you plan your exit from day one.
"I've built 12 homes with Matrix financing. Their draw process is the fastest I've ever experienced—usually funded within 48 hours of requesting. It keeps my projects moving without delays."