For Contractors & Builders
You Build the Project. We Make Sure It's Funded.
Every contractor has lost a signed job to financing — the client's bank said no, or said yes and then drew out payments until the schedule collapsed. Send us the client, and the project gets business-purpose construction capital with milestone draws that pay when the work is done, not when a committee gets around to it.
Client Scenarios
Where We Help Your Clients
The Client Whose Bank Said No
A signed contract, a capable client, and no construction financing. We underwrite the project and the property — no tax returns — so good projects stop dying in bank committees.
ADU Projects
Our dedicated ADU program funds 75–85% of cost at 9.5%–11% with milestone draws — detached units, garage conversions, JADUs — built for the exact projects filling your pipeline.
Ground-Up Construction
Lot acquisition plus vertical construction to 65% of completed value, $250K–$5M, 12–24 months. Draw schedules mapped to your actual build sequence.
Rehab & Flip Projects
Investor clients get up to 75% of ARV with rehab draws — which means your invoices get paid on schedule instead of floating the job on your own credit.
Stalled-Project Rescue
A project half-built and out of money is a problem for everyone on it. Where the equity and plan support it, we refinance and restart stalled projects with realistic completion budgets.
How It Works
Three Steps, No Surprises
Step 1
Introduce the Project
You or your client calls with the property, budget, and plans. Builders' numbers get read by people who fund construction all year — expect real questions, fast.
Step 2
Project-Based Underwriting
We underwrite completed value, cost, and the builder's track record. Your client gets written terms typically within 24 hours of a complete package.
Step 3
Draws That Keep the Schedule
Milestone inspections happen in days, not weeks — our office is local and our draw process is built so the trades get paid and the schedule holds.
Why CDF
Built for Referral Trust
Draws Without the Drama
Slow draws kill schedules and subcontractor relationships. Our milestone process is the product — inspected fast, funded fast, documented cleanly.
We Understand Budgets
Scope, contingency, and sequencing get read by decision-makers who fund construction constantly — not scored by an out-of-state checklist.
Repeat-Project Relationships
Contractors who bring us one fundable client tend to bring the next ten. Since 2009: $200M+ across 500+ California loans, a large share of it construction and rehab.
Contractors & Builders FAQs
Questions Partners Actually Ask
How do your construction draws actually work?
Milestone-based: work completed, inspected locally, funded — typically within days of the draw request. Draw schedules are set against the real build sequence before closing so there are no surprises mid-project.
Can you finance my client's ADU project?
Yes — that's a dedicated program: 75–85% loan-to-cost, rates 9.5%–11%, 12–18 month terms, $60K–$300K per unit, milestone draws, for detached ADUs, garage conversions, and JADUs on investment property.
Do you fund spec builders?
Yes. Ground-up construction runs to 65% of completed value, $250K–$5M, 12–24 months, from 10.99% — lot acquisition and vertical, with builder experience part of the underwrite.
Can you take over a stalled project?
Often, yes. Where protective equity and a realistic completion budget support it, we refinance stalled projects and fund completion. Bring the current numbers — the honest version — and we'll give you a straight answer.
Does my client need tax returns to qualify?
No. These are business-purpose loans underwritten on the project and the property. Self-employed clients — which most construction clients are — qualify on the deal, not their returns.
One Scenario Is All It Takes
Call with a live client situation and judge us on the answer. Most partnerships here started exactly that way.
Call (626) 796-1680