Now funding Q1 2027 spec & commercial projects Term sheets in 48 hours Up to 90% of cost · 100% of rehab Funding in as little as 10 business days Now funding Q1 2027 spec & commercial projects Term sheets in 48 hours Up to 90% of cost · 100% of rehab Funding in as little as 10 business days Now funding Q1 2027 spec & commercial projects Term sheets in 48 hours Up to 90% of cost · 100% of rehab Funding in as little as 10 business days Now funding Q1 2027 spec & commercial projects Term sheets in 48 hours Up to 90% of cost · 100% of rehab Funding in as little as 10 business days
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Trusted by 600+ builders & investors

Capital that moves at the speed of your next build.

Construction, renovation and bridge funding for spec builders, contractors and commercial investors — underwritten by people who've actually swung a hammer and closed a deal.

Apply for funding

3 minutes · No credit pull to apply

DM
“Bank said 90 days. Brentgate had my term sheet in two and funded my 4-home spec phase in eleven.”
Derek M. · Spec builder, Austin TX
Luxury spec home under construction at sunset
$2.4M
Spec loan
85%
LTC funded
11 days
To close
$480M+
Capital deployed
1,200+
Projects funded
48 hrs
Avg. term sheet
38
States active

Be honest for a second…

Is your capital the slowest part of your business?

  • Your bank wants 90 days, three committees and a personal guarantee on your grandmother — while your lot sits idle.
  • Draws stall mid-build, subs walk off the job, and your carrying costs quietly eat the margin.
  • Your lender doesn't understand spec risk, ARV, or why a commercial gut-reno doesn't fit a residential box.

You don't need another lender. You need a capital partner built around how deals actually get done.

Commercial renovation project with scaffolding at dusk

Recently funded

42,000 sq ft mixed-use repositioning

$6.8M bridge-to-construction · Denver, CO

Loan programs

Capital structured for the way you build

Six programs. One team. Every product built specifically for business-purpose real estate.

01

Ground-Up Spec Construction

Single & multi-home spec builds with interest-only draws.

Up to 90% LTC · 12–24 mo

02

Fix & Flip / Heavy Rehab

Purchase plus 100% of rehab, funded in fast draws.

Up to 90% LTV · 100% rehab

03

Commercial Renovation

Office, retail, mixed-use and multifamily value-add.

$500K – $25M · 12–36 mo

04

Bridge Financing

Close fast, stabilize, then refinance on your terms.

Close in 10 days · 6–24 mo

05

DSCR Rental Loans

Long-term holds qualified on property cash flow, not W-2s.

30-yr fixed · No tax returns

06

Land & Horizontal Dev

Entitled lots, subdivisions and infrastructure work.

Up to 65% LTV · Custom

See what I qualify for

3 minutes · No credit pull to apply

Brentgate Financial managing partner reviewing construction plans

Why Brentgate

Underwritten by builders. Not bureaucrats.

Our credit team has built, flipped and repositioned over 300 properties of their own. We read a pro forma the way you do — so we approve deals other lenders don't understand, and we never surprise you at closing.

  • In-house underwriting & capital — decisions aren't shipped to a committee
  • Draws released in 24–48 hours via mobile inspection
  • One dedicated deal lead from application to payoff
  • Repeat-borrower pricing and pre-approved credit lines
Apply now How it works

The process

From application to funded in three steps

  1. 01

    Apply in 3 minutes

    Tell us about the deal, your experience and your timeline. No credit pull, no document dump.

  2. 02

    Term sheet in 48 hours

    A deal lead reviews your scenario and calls with real numbers — not a teaser rate.

    48 hrs
  3. 03

    Close & fund fast

    Appraisal, title and closing handled in-house. Funds in as little as 10 business days.

Who we fund

We're selective — so we can be fast.

We protect our team's time so every qualified borrower gets a dedicated deal lead and a real answer in 48 hours.

A great fit if you have…

  • Investors, builders & contractors with at least 1 completed project
  • Loan requests from $150K to $25M
  • Business-purpose / non-owner-occupied property
  • A clear exit: sale, refinance or stabilized hold

Probably not a fit if…

  • Primary residence or consumer mortgages
  • Projects without a defined budget or scope
  • Borrowers looking for 100% financing with no skin in the game
  • "Just shopping rates" with no deal in hand

Borrower results

Builders don't come back by accident.

72% of our volume comes from repeat borrowers.

“They funded a commercial gut-reno two banks wouldn't touch. Draws hit in 24 hours, every time.”
Priya S. · Commercial investor · Atlanta
“Eight spec homes in, I've never had a surprise at closing. That's rare in this business.”
Marcus T. · Builder · Nashville
“My deal lead picked up on a Saturday. That's the difference between a lender and a partner.”
Jenna R. · Fix & flip operator · Phoenix

FAQ

Questions, answered.

Most programs start at 660 FICO, but we lend primarily on the deal, your experience and the exit. Applying does not pull your credit.

Your next deal is waiting

Stop waiting on capital. Start building.

Answer a few questions about your project. If it's a fit, a deal lead calls you within one business day.

Start your application

3 minutes · No credit pull to apply