Financing Solutions
Capital Structured Around Your Project
From ground-up construction to complex bridge transactions, SEP4 offers a full suite of development financing products — with in-house underwriting and decisions in days, not months.
Ground-up financing for residential, multifamily, and commercial projects.
SEP4's construction loan program is built for developers who need reliable capital and a lending partner who understands the complexities of ground-up development. We fund residential subdivisions, multifamily communities, mixed-use projects, and commercial builds of all scales.
Loan Size
$2M – $100M+
Max LTC / LTV
Up to 85% LTC
Loan Term
12–36 months
Typical Close
10–21 days
Program Features
- Flexible draw schedules aligned to your construction timeline
- Interest reserves available to minimize out-of-pocket carry
- In-house construction monitoring — no third-party delays
- Recourse and non-recourse structures available
- Experienced sponsors with strong track records preferred
Eligible Project Types
Short-term capital to bridge the gap between acquisition and permanent financing.
When timing is critical and conventional financing isn't moving fast enough, SEP4's bridge program delivers. We provide short-term capital for acquisitions, lease-up periods, value-add repositioning, and situations where a borrower needs to move quickly to secure an asset.
Loan Size
$1M – $50M
Max LTC / LTV
Up to 80% LTV
Loan Term
6–24 months
Typical Close
7–14 days
Program Features
- Fast closings — as little as 7 business days
- Interest-only payments during the bridge period
- Extension options available with strong performance
- Suitable for stabilized and transitional assets
- Light to moderate value-add repositioning supported
Eligible Project Types
Specialized construction and bridge financing for apartment and mixed-use communities.
Multifamily development is one of the most active sectors in real estate, and SEP4 has deep experience underwriting apartment communities of every type — from market-rate luxury to workforce and affordable housing. We understand the nuances of multifamily pro formas and structure our loans accordingly.
Loan Size
$3M – $75M
Max LTC / LTV
Up to 85% LTC
Loan Term
Up to 36 months
Typical Close
10–21 days
Program Features
- Construction and bridge products available
- Workforce and affordable housing experience
- Familiar with LIHTC and layered capital structures
- Flexible unit mix and phasing accommodated
- Strong sponsor track record required for larger loans
Eligible Project Types
Cash-flow-based financing for stabilized investment properties — no personal income verification required.
SEP4's DSCR loan program qualifies borrowers based on the property's rental income rather than personal tax returns or W-2s — making it the ideal solution for real estate investors with complex income structures, self-employed borrowers, and portfolio builders who need to scale without the friction of traditional underwriting.
Loan Size
$500K – $20M
Max LTC / LTV
Up to 80% LTV
Loan Term
30-year fixed or 5/1, 7/1 ARM
Typical Close
14–21 days
Program Features
- Qualification based on property cash flow, not personal income
- No tax returns or W-2s required
- Available for single-family, 2–4 unit, and small multifamily
- Short-term rental (Airbnb / VRBO) income considered
- Foreign national borrowers eligible on select programs
Eligible Project Types
Institutional financing for office, retail, industrial, and mixed-use commercial projects.
SEP4 finances commercial development projects across all asset classes — from suburban office parks to urban mixed-use towers, industrial distribution centers to neighborhood retail. We work with experienced commercial developers who need a capital partner that understands complex deal structures.
Loan Size
$5M – $150M+
Max LTC / LTV
Structured terms
Loan Term
12–48 months
Typical Close
14–28 days
Program Features
- All commercial asset classes considered
- Pre-leased and speculative development both eligible
- Mezzanine and preferred equity structures available
- Experienced commercial development teams required
- Phased funding available for large-scale projects
Eligible Project Types
Acquisition financing for entitled and unentitled land with a clear development path.
Securing the right land at the right time is often the most critical step in a development project. SEP4's land acquisition program provides the capital to move quickly on opportunities — whether the land is fully entitled, in the entitlement process, or raw with a compelling development thesis.
Loan Size
$500K – $25M
Max LTC / LTV
Up to 70% LTV
Loan Term
12–24 months
Typical Close
10–21 days
Program Features
- Entitled and unentitled land considered
- Strong development plan and sponsor track record required
- Horizontal development costs may be included
- Extension options available during entitlement
- Path to construction financing with SEP4 preferred
Eligible Project Types
How the Process Works
From initial inquiry to funded loan in as little as 10 days.
Submit Your Project
Complete our brief online application with project details, loan request, and sponsor background. No commitment required.
Term Sheet in 48 Hours
Our underwriting team reviews your submission and issues a non-binding term sheet within two business days.
Due Diligence & Approval
We conduct in-house due diligence — appraisal, title, and project review — with no outside credit committee delays.
Close & Fund
Once approved, most loans close within 10 to 21 business days. Funds are disbursed directly to your closing attorney or escrow.
Ready to Move Forward?
Submit your project today and receive a term sheet within 48 hours.
Start Your Application