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Faster, More Flexible Rehab Loans to Fund Your Property Investment

Hard Money Loans for Real Estate Investors

Rehab Loan Programs

Ideal for investors looking to purchase a property, renovate and then sell or rent the renovated property for a profit. Builders Trust Capital also offers a short term refinance loan product with construction.

Builders Trust Capital is a Direct Lender

The team at Builders Trust Capital makes the lending decisions. Portfolio loans are underwritten and funded by us. Our principals have funded over 1000 projects since 2016 so you can rely on our experience to deliver consistently every time.

A More Efficient Loan Approval Process

When you choose Builders Trust Capital, you get a fast, straightforward and transparent process.

  • Minimal, simple forms so you can pre-qualify quickly
  • Absolutely no junk fees
  • All fees disclosed upfront to help you budget projects accurately
  • Receive a complimentary profit assessment using Builders Trust Capital's proprietary calculator and ROI coaching on your investment property
  • Get your project funded in as little as 10 business days

Renovation Loan Programs

Up to 90% LTC and 75% LTARV *
Rates as low as 9%
Points as low as 1.5%
Loans from $50,000 to $3,000,000
Interest is built into the loan for your convenience
Portfolio loans are processed and serviced in-house, ensuring consistent service during and after origination
* highly qualified customers may qualify for 100% LTC
Get Funded Now

Succeed in Your Next Real Estate Deal

Speed & Approval

  • Once your appraisal is ordered, you can typically close within as little as 10 business days
  • Streamlined loan approval for portfolio loans because we handle every step in-house
  • No extra requirements
    • DTI Calculations or Income Qualification – not required
    • Seasoning of Funds – not required
    • Tax returns – not required


  • Offer a full 100% loan-to-cost option for qualified borrowers
  • Interest is built into the loan to simplify payments, so you can focus solely on the rehab of the property
  • Ability to cross collateralize other property to reduce cash to close
  • No limit on number of properties

Builders Trust Capital Client Success Stories

Partner with an efficient, personable team who has delivered $190,000,000 in real estate loans

Builders Trust Capital Success Story Photo: 1185 Route 9 South, Cape May Courthouse, NJ
  • Purchased $185,000
  • Rehab $150,000
  • ARV $475,000
  • Fix & Flip Philadelphia, PA
Builders Trust Capital Success Story Photo: 10 Anderson, Morristown NJ
  • Purchased $1,675,000
  • Rehab $450,000
  • ARV $3,955,000
  • Fix & Flip Cape May, NJ
Builders Trust Capital Success Story Photo: 10 Anderson, Morristown NJ
  • Purchased $550,000
  • Rehab $208,286
  • ARV $1,005,000
  • Fix & Flip Haddonfield, NJ

How to Finance Your Real Estate Investment

Our process is simple! We handle the entire loan process in-house. Loans are closed in as little as 10 business days.

Get Started

Fill in the form or call us at 856-422-3232 so we can contact you and begin working on your loan. We're local and happy to meet with you to learn your funding needs.


Complete your application and provide supporting documentation.

Proof of Funds

Increase your buying power with a proof of funds (POF) letter.

Loan Processing

Your appraisal and title work are ordered. Your application documents are reviewed. Our in-house processing team will contact you with any questions or additional documentation required.

Get Funded Now

After underwriting is complete, we make sure your closing docs are ready at the table and funds are disbursed timely so you can start your work without delay.


Photo of Alexandra Petruchenya

I appreciate your team's support during the entire rehab process for my property. This is my first deal, there were a lot of unknowns that came with that. The construction process intimidated me and held me back from doing real estate for several years. Kurt has been phenomenal, he was a wealth of knowledge. I appreciate how he gets in touch to talk through in-scope item completion and aligning on ways to ensure my construction draws are adequate. I'm thankful to have someone who has my business's best interests at heart.

Alexandra Petruchenya recommends Builders Trust Capital Oct. 2021
Photo of Sharina Jackson

I recently completed a cash-out refinance transaction with Builders Trust Capital. I would like to say thank you to Anthony for your partnership during this process, your excellent customer service and professionalism made the process easy for me.

Sharina Jackson recommends Builders Trust Capital Oct. 2021
Photo of Raphael Akinsete

If you are a newbie investor, I highly recommend Builders Trust Capital because your first few deals will impact your outlook on real estate investment. If you are a seasoned investor, I also recommend the company as they now offer products for both quick flips and long holds. This way you are covered in both your entry and exit strategy. As a longtime client of Builders Trust Capital I can testify that they are the real deal and there are genuinely good people behind this business.

Raphael Akinsete recommends Builders Trust Capital Oct. 2020
Photo of Kristian Latham

Just finished up my first project with the Builders Trust Capital team and wanted to share my appreciation for the good business. Success is often driven by effective relationships, and Builders Trust Capital’s partnership assisted me in strengthening my team all around. The process from beginning to end was smooth and efficient. They are a great partner to have to create opportunities for rookie and veteran investors.

Kristian Latham recommends Builders Trust Capital Aug. 2020
Photo of Timothy Rosenblum

Builders Trust Capital lives up to its name. They have truly been a partner to me with my projects. The process from underwriting to construction inspections has never wavered from their initial promise and Ive always been met with professionalism and efficiency. Rare in this space.

Timothy Rosenblum recommends Builders Trust Capital Apr. 2021
Photo of Mike Bonadies

Builders Trust Capital is an incredibly responsive and flexible lender for RE investors. They have been able to work with my unique situations and helped us close on properties no one else could. They know their local area well and can offer guidance. I highly suggest them.

Mike Bonadies recommends Builders Trust Capital Apr. 2021

Ready to discuss your funding needs?

Just contact us by phone 856-422-3232. If you prefer, send us a message and we’ll contact you shortly. Let's get started working together.

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