Capital
Underwritten with Care.
Grade Capital is a capital markets advisory practice for residential construction across the lower 48 states — ground-up single-family, multi-family, and substantial remodels. We are not the lender. We act for the borrower: structuring the request, taking it to the lenders most likely to fund it, and staying with the transaction through closing. Because Grade develops and sells in one of the most demanding residential 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. A template can only measure a project against an average, so anything unusual registers as risk. We can tell the difference between a number that is unfamiliar and a number that is simply right.
In practice that means a request that reaches a lender already answered: draw schedules built around how work actually gets done, a budget that survives scrutiny, and an advisor who stays with the transaction after it closes rather than only when something goes wrong.
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| Ground-Up Construction |
Renovation & Major Remodel |
Acquisition & Bridge |
Multi-Family Construction |
|
|---|---|---|---|---|
| Loan Size | $1 – $50 million | $500K – $20 million | $500K – $25 million | $2 – $50 million |
| Leverage† | Up to 75% LTC | 85% LTC / 70% ARV | 75% LTC / 65% LTV | Up to 75% LTC |
| Term | 12 – 36 months | 12 – 24 months | 6 – 24 months | 18 – 36 months |
| Rate† | Applies to all loan typesSOFR + 350 – 650 bps | |||
| Fees† | 1.0 – 2.0%+ | |||
| Asset Class | Single-family, multi-family, mixed-use, retail, office, land & condominium | |||
| Geography | Lower 48 states, excluding Nevada | |||
| Purpose | Business purpose only | |||
† Leverage, pricing and fees are indicative only and vary by sponsor, market, project and lender appetite at the time of quote. Grade Capital is an advisory practice and does not lend its own capital. All terms are subject to lender underwriting and final credit approval. Nothing here is a commitment to lend.