Acquisition & Development financing · Siteworks Capital
For developers, by developers.
Direct acquisition & development capital for midsize builders across the Southeast.
Siteworks Capital at a glance
- Land & development focus
- A&D
- Underwriting & servicing
- In-house
- Loan size
- $100K–$5M
- Loan-to-cost
- Up to 75%
Where we lend
- GA
- NC
- SC
- TN
- AL
- FL
- TX
VA pending
What we lend to
Capital across the build cycle
From raw dirt to finished product — acquisition, entitlement, and development capital for the projects our borrowers actually build.
- Acquisition loans for LDPCapital to acquire lots and fund the lot-development-permit process.
- EntitlementsRezoning, approvals, and permits that unlock a site's value.
- Land DevelopmentGrading, utilities, roads, and horizontal infrastructure.
- IndustrialWarehouse, flex, and light-industrial ground-up.
- ResidentialFor-sale and build-to-rent housing, single- and multi-family.
How funding works
From application to funded
About 10 minutes
Apply
Tell us about you, the deal, and your ask in about 10 minutes. No documents or credit pull to start.
Typically 1 business day
Receive Terms
Our underwriter reviews the file and issues a clear term sheet.
Two to three weeks
Access Loan Portal
Execute the term sheet, upload remaining items, and track closing — all from your borrower portal.
Same day as recording
Funding
Close, draw, and fund your project — then manage draws and payoff in one place, start to finish.
Credit box
Indicative. Subject to underwriting.
| Loan size | $100K–$5M |
|---|---|
| Max loan-to-cost | 75% |
| Max loan-to-value | 70% |
| Term | 18 months, interest-only |
| Extension | One 6-month extension · 0.50% fee |
| Initial advance | Up to 55% of the loan at closing |
| Origination fee | 1.00% |
|---|---|
| Exit fee | 1.00% per repayment or lot release |
| Servicing fee | 0.25% per year, billed monthly |
| Prepayment | Minimum three months of interest |
| Draw turnaround | ~2 business days after a clear inspection |
| Recourse | Full recourse plus a completion guarantee |
| Liquidity | 10–20% of the loan amount held in reserves |
No application fee, and no junk fees invented at the closing table. The processing fee and the appraisal deposit come during diligence and are quoted before you commit.
The exit
How you get out — published up front.
- Lot releases (development loans)
- 100% of the allocated loan per lot
- Payoff statement
- Within one business day of request
Why us
Why Siteworks Capital
Four things that change what it is like to borrow from us.
We build too
We develop and build our own projects, so we underwrite yours like a partner — not a checklist.
Days, not weeks
Our capital, our underwriter, no loan committee — so you get a real answer in days, not weeks.
We keep every loan
We hold what we originate. No secondary sale, no servicing handoff — one relationship, start to finish.
Underwriting built on tech
AI-assisted intake reads your file the moment it lands, so an underwriter spends time on judgment, not data entry.
Why AI
AI does the legwork. People make the call.
You don't get underwritten by a robot. AI just clears the busywork that usually leaves a loan sitting in someone's inbox for weeks — so a real underwriter, who develops too, can get you an answer in days, not months.
It reads your file the moment you submit
No emailing documents back and forth for weeks. AI pulls the numbers and organizes the file the second it lands.
Every file, the same fair box
Your deal is measured against the exact same credit box as everyone else's — fast, and even-handed.
A person always decides
AI prepares the file; a Siteworks Capital underwriter makes the final call. You're never approved or denied by an algorithm.
Who you're dealing with
Lenders who develop, too.
We're developers and builders ourselves. After years of acquiring land, pulling permits, and pushing projects through to delivery across the Southeast, we kept running into the same wall: the acquisition & development capital midsize builders need is slow, rigid, and run by people who've never poured a footing.
So we built the lender we wished we had. Siteworks Capital funds A&D and construction loans from our own balance sheet, underwrites every deal in-house, and holds what we originate — so you get one relationship from application to payoff, and a partner who reads your pro forma the way a builder would.
- Where we build & lend
- Southeast
- Underwriting & servicing
- In-house
- Every loan, held
- Balance sheet
Ready to fund your next project?
Apply in 10 minutes — no documents or credit pull to start.