A Better Finance Network, Built for the Builders

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About Us

Builder Circle is a Midwest-based lending company that provides independent home builders, rehabbers, developers, and real estate investors with a better, more practical, and more efficient approach to the loan underwriting and construction draw processes.

As experienced real estate lenders with deep roots in the home building industry, we have an intimate understanding of the challenges that our borrowers often face and how we can become a tremendous value-add to their growing businesses by eliminating common inefficiencies and providing fast, reliable capital.

At Builder Circle we believe in establishing lasting relationships with our borrowers, and we have the capital, experience, and resources necessary to help them thrive.

Loan
Products

Builder Circle offers a wide variety of loan products to businesses across the country, specializing in the following:

Development
Loans

  • Financing for both land acquisition and development costs
  • Up to 90% loan-to-cost
  • Up to 75% loan-to-value (as completed)

Rehab
Loans

  • Financing for both land acquisition and rehab costs
  • Up to 90% loan-to-cost
  • Up to 75% loan-to-value (as repaired)

Acquisition and
Bridge Loans

  • Financing for land acquisition
  • Refinancing / cash-out financing for land already under ownership
  • Up to 77.5% loan-to-value (current)

Rental
Loans

  • Financing for single family rental properties
  • Financing for multifamily rental properties
  • Max loan amounts determined based upon property value and DSCR

Circle Benefits

With Builder Circle, the perks go far beyond financing.

Builder Circle borrowers have access to exclusive partner benefits, including cash management services, supplier and trade discount programs, and access to our ever-expanding network of industry partners.

Join the Circle

Broad Reach

Based in the Midwest, we have experience lending across the country to companies of all sizes and configurations.

Focused

We have simplified the borrowing process for many of our borrower partners that previously relied on friends and family capital or burdensome web-based lenders.

Invested

Our borrower partners work directly with our leadership team and decision makers. We’re with you, every step of the way.

Proven

We have successfully assisted numerous borrower partners in scaling their businesses year over year by providing the capital needed for project growth.

PARTNERSHIPS

At Builder Circle we create profitable collaborations.

In addition to offering our core lending products, Builder Circle welcomes the opportunity to partner with emerging real estate and PropTech companies across the country.

  • We have identified creative ways to assist emerging companies focused on short-term and vacation rentals, second home ownership, modular housing, and other specialty areas.
  • Our seasoned capital markets team is available to assist our partners in identifying institutional capital in the form of common equity, preferred equity, senior debt, and mezzanine debt.

Please Contact Us to discuss our unique partnership offerings.

Leadership

For Builders,
by Builders

With over 50 years of capital markets experience, 20 years of home building experience, and more than a decade of real estate and construction lending experience, the Builder Circle leadership team are experts in both the residential construction and finance industries.

Bruce Bloomingdale
Chief Executive Officer
  • Co-owner of a multigenerational, family owned custom and spec home building company based in the Midwest.
  • Licensed attorney and former structured finance partner at Top 20 global law firms.
Bruce Margulis
President
  • Specializes in borrower relations and business development
  • Passionate Midwest-based real estate investor and lender
  • Licensed attorney and financial services law partner.
Morgan Edwards
Head of Capital Markets
  • Specializes in raising debt and equity for emerging businesses
  • Former CFO of leading FinTech in student lending industry
  • Former Head of Capital Markets for multiple leading companies in SFH acquisition industry
Bryan Thomas
Controller
  • Specializes in lending and construction draw management, analytics and accounting
  • Licensed CPA and real estate agent
Lisa Guastella
Assistant Controller
  • Experienced accountant for multigenerational home builders
  • Focus areas include customer service and construction draw management

Interested in becoming a member of The Circle?

Contact us today to get the ball rolling.

Investment opportunities within Builder Circle are also available. Please contact us for more information.