Direct Lending Solutions for Builders & Developers

Direct lending solutions connect builders and developers with private, non-bank capital sources for land acquisition, construction, bridge, mezzanine, equity, and stabilization needs. These options can be useful when a project is time-sensitive, outside a bank’s credit box, or requires a customized capital stack. Stirling Capital Group helps pre-qualify and originate suitable funding structures.

Private direct lending is often more flexible than traditional bank financing because lenders may evaluate the project, collateral, sponsor strength, exit strategy, and repayment path rather than relying solely on conventional bank criteria. This can support transitional assets, higher-leverage needs, land opportunities, complex construction budgets, or borrowers seeking faster execution for competitive acquisition timelines.

Stirling Capital Group can assist with construction and development financing for projects ranging from approximately $5 million to $500 million and beyond. Eligible uses may include land acquisition, vertical construction, multifamily development, hospitality projects, owner-occupied facilities, income-producing properties, mezzanine financing, preferred equity, joint venture equity, and permanent or stabilization financing after completion.

Typical documents include an executive summary, project budget, development timeline, sources and uses, site control documents, sponsor background, financial statements, market information, plans or permits where available, and an exit strategy. For income-producing projects, rent rolls, operating statements, leases, or stabilization assumptions may also be requested to support underwriting.

Private lending can move faster than conventional bank channels when project information is organized and the opportunity fits a lender’s criteria. Timing depends on transaction complexity, collateral, due diligence, third-party reports, title, and legal documentation. Stirling Capital Group’s pre-qualification and pre-underwriting role is designed to streamline early review and lender matching.

Yes. Stirling Capital Group’s network includes private lending sources and equity capital relationships that may consider mezzanine financing, preferred equity, joint venture equity, or additional project capital. These structures can help fill gaps between senior debt and required project capitalization, especially for larger or more sophisticated development opportunities.

Financing terms vary based on project stage, leverage, collateral quality, borrower experience, repayment source, market conditions, and lender appetite. Structures may include bridge loans, construction loans, interest-only options, mezzanine debt, equity capital, or permanent financing. Stirling Capital Group evaluates multiple lending options to help identify a structure aligned with the project’s needs.

Stirling Capital Group serves borrowers across the continental United States, major Canadian cities, and Puerto Rico. The firm is based in Columbus, Ohio, and works as a commercial finance consultant for entrepreneurs, business owners, investors, builders, and developers seeking private capital alternatives for acquisition, construction, refinance, and stabilization strategies.