Investor Loans

Builder Line of Credit

A pre-approved, revolving credit facility for professional builders and investors — draw funds as needed across multiple projects instead of closing a new loan for every deal.

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At a Glance

Funding Amount $1,000,000 - $50,000,000+

Term 18 - 24 Months (multi-year lines available)

Overview

The Angel Funding Advantage

If you're building or renovating multiple properties a year, closing a separate loan for every project is a drag on your time and your returns. A Builder Line of Credit is a pre-approved, revolving facility: draw funds as needed for acquisitions, hard costs, and soft costs, pay the balance down as homes sell, and borrow again — all under one approval.

Lines range from $1 million to $50 million+, giving you the funding certainty to bid on lots and take on projects knowing your capital is already lined up.

$1M - $50M+ lines
Revolving — borrow & re-borrow

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Get Pre-Approved

We underwrite you once — your track record, financials, and pipeline — and establish your total line size.

Add Projects

Our advisors handle this step for you and keep you informed at every stage.

Draw as Needed

Our advisors handle this step for you and keep you informed at every stage.

Sell, Pay Down, Repeat

As homes sell, proceeds pay down the balance and your availability replenishes — ready for the next project.

Who Qualifies?

Professional builders, developers, and investors running multiple projects per year
Solid track record of completed projects (newer builders considered with strong financials)
Credit score of 700+ preferred; scores in the 600s considered case-by-case
Owner equity in projects and credible pro-formas/feasibility for each deal
Eligible projects: ground-up SFR, duplexes through quads, townhomes, condos, multifamily, subdivisions, scattered lots, infill, and heavy renovation

Why Choose This Option

One approval covers your whole pipeline — no separate loan closing for every project.
Funding certainty gives you a real edge when bidding on lots and negotiating with sellers.

Common Scenarios

How businesses use Builder Line of Credit

Spec Home Pipeline

A builder running 6-10 spec homes a year draws for each lot and build without a new closing every time.

Subdivision Development

Funding phases of a subdivision as lots are developed and homes are built and sold.

Value-Add at Scale

Renovating and repositioning multiple properties simultaneously under one facility.

FAQ

Frequently Asked Questions

Get the facts on Builder Line of Credit.

How is this different from a construction loan?

A construction loan funds one project with milestone-based disbursements. A builder line is a pre-approved revolving facility across your whole pipeline — draw as needed, pay down as homes sell, and borrow again without a new closing each time.

How much leverage can I get?

Leverage depends on your experience and the project.

Do I need pre-sales?

No. The line is designed for spec building — no pre-sale requirements. As homes sell, proceeds pay down the line and your availability replenishes.

What do you evaluate to set my line size?

Your track record of completed projects, personal financial statements, owner equity, and the feasibility of your pipeline.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

Business Funding

Commercial Real Estate