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Accolend General
Contractor Program
Fix and Flip
Ground-Up Construction
Purchase LTC
Up to 82.5%
Up to 60%
Rehab LTC
Up to 100%
Up to 100%
Total LTC
Up to 82.5%
Up to 75%
LTV ARV
Up to 67.5%
Up to 65%
Rates (With points)
From 8.5%
From 10%
Rates (No points)
From 10.5%
From 11.25%
Minimum FICO
660
700
Loan Amount
$115k-$1.5M
$300k-$2M
Years of GC Experience
3+
5+
Recent projects as GC
6+ Renovations
4+ Ground-Ups
Loan Term
Up to 18 months
Up to 24 months
Property Types
1-4 Family, Condos, Townhomes
Are you a licensed General Contractor ready to take the leap from builder to investor?
Accolend has launched a specialized loan program just for you. We understand that as a GC, you have the hands-on construction expertise to execute projects from start to finish, even if you’ve never held title to an investment property before. That’s why our new Fix & Flip and Ground-Up Construction loan options are built around your strengths, not your real estate track record.
With in-house underwriting and draw management teams, no points at closing, and aggressive leverage, Accolend is making it easier than ever for experienced contractors to transition into property ownership and investment. Let’s turn your next build into your first flip or rental.
Apply
Loan process steps
1
Apply for loan
You provide us with the application, including property and deal information.
2
Receive our Terms
We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.
3
Loan Underwriting
Our underwriting team sets up your loan on our website portal to ensure a smooth documentation submission process. We coordinate with vendors such as appraisal and inspection companies, title, insurance, and legal counsel to facilitate seamless communication. Please click here for an explanatory video.
4
Loan Closing
We work with you, your legal counsel, and the title company to schedule a closing date. On the closing date, we review all executed documents from your lawyer or the title company/closing agent and wire the funds.
5
Draw Management
You reach out to our draw manager with your draw request. A property inspection will be scheduled to verify completed work, and upon satisfactory completion and review, we will fund the draw. Please click here for an explanatory video./closing agent and wire the funds.
6
Payoff
Our servicing team will assist you with extension and/or payoff requests. Extension approval requires 30 days of advance notice and the completion of an extension application/closing agent and wire the funds.
Why Accolend
Competitive Rates
Fast Service
Certainty of Execution
No Points
Frequently Asked Questions
Do you allow second liens on your loans?
Second liens on our transactions are not allowed.
Does Accolend require appraisals for loans?
Yes, a full property appraisal will be required, including interiors.
Do you lend to LLCs?
Yes, we offer loans to LLCs.
What kind of fees do you charge?
There are fees associated with legal documentation, background and criminal reports; as well as servicing setup and wire fees.
What will you need to verify my contractor experience?
A third-party service will review your licenses, work history, and references to confirm your contractor experience.
Do your loans require any income verification?
No, we offer asset-based loans, so we will not ask you to verify your income.
Does Accolend require personal guarantees?
Yes, personal guarantees are required for all Accolend loan products.
Do you work with brokers?
Yes, we work with brokers. We have a lot of broker-friendly programs.
What is your acreage limit?
The maximum acreage is 2 acres per property.
What are the closing times for loans?
All of our loans can close in 7-25 business days.