Capital
Underwritten with Care.
Grade Capital finances residential construction nationwide — ground-up single-family, multi-family, and substantial remodels. We lend to developers, builders, and owners with a defined scope and a credible plan to execute it, on the kind of projects we run ourselves. Because Grade develops and sells residential real estate in one of the most demanding markets in the country, a request arrives here as a construction project first and a credit file second.
Our lens takes in the whole project, not just the numbers on a page.
We read a budget the way a builder reads it — against the drawings, the schedule, and what the finished home will be worth in its own market. Not against a formula applied regardless of circumstance. Where a lender working from a template sees an unfamiliar scope as risk, we can usually tell whether the number is simply right.
In practice that means draw schedules built around how work actually gets done, fewer surprises at month four, and a lender who stays engaged through the life of the loan rather than only when something goes wrong.
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