BD Capital

What BD Capital does

BD Capital, LLC is a private direct real estate lender headquartered in Warren, New Jersey, with a secondary office in Nashville, Tennessee, founded in 2015. The company originates short-term and long-term loans to small and mid-sized real estate investors across the Northeast and Southeast United States, with a cumulative origination volume exceeding $1 billion across 1,000+ completed loans. Its product suite spans the full residential real estate investment lifecycle: fix & flip loans (12-month terms, up to 80% LTC, 100% construction funding at 10-12% interest), new construction loans (6-24 month terms), bridge loans, rental property loans (30-year amortization with 5/7/10-year interest-only options), portfolio rentals (5-1000+ properties), and multifamily and development loans for 5+ unit projects.

BD Capital operates a direct lender model with in-house construction, underwriting, and accounting teams, making all credit decisions internally rather than brokering. Its technology stack centers on a partnership with Built for digital draw management and inspection scheduling, supplemented by an online deal calculator and loan application portal. The company employs 11-50 staff with over 100 years of combined real estate experience, organized across originations, underwriting, construction, capital markets, risk, and operations functions.

The business model generates revenue primarily through interest income (10-12% on fix & flip loans) plus origination points (0-2%) and construction draw processing fees, all earned on a transaction-by-transaction basis. BD Capital distributes through local lending experts in its two regional offices supported by content marketing (educational blog, case studies featuring cash-on-cash returns of 183%-522% in target metros), organic search, social media, and referrals, with 85% of business coming from repeat borrowers. The company is family office-backed and independently owned, with no disclosed institutional investors or parent entity.

Name

BD Capital

Legal name

BD Capital, LLC

Website

https://bdcapital.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

BD Capital is a private direct lender that originates fix & flip, new construction, bridge, rental, portfolio, and multifamily loans for SMB real estate investors across the Northeast and Southeast United States.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

akta.pro secondary industries

Land Acquisition, Lot Development & Construction Financing (AD&C) (FSALAHAI), New Construction-to-Perm (Single-Family Owner-Occupied) (FSALAHAA), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Private real estate lending
• Fix and flip loans
• Bridge loan financing
• Rental property loans
• New construction financing

Headquarters

HQ city

Warren

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest Income: Interest income from short-term real estate loans including fix and flip, new construction, bridge, and rental property loans. Interest rates typically 10%-12% for fix and flip products.
2. Loan Points and Fees: Points charged on loans (0-2% for fix and flip products), processing deposits, and other loan-related fees.
3. Construction Draw Fees: Revenue from construction draw management and processing fees through the Built platform integration.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

BD Capital is a direct private lender providing short-term and long-term real estate financing to investors. Its product suite covers Fix & Flip Loans, New Construction Loans, Bridge Loans, Rental Property Loans, Portfolio Rentals, Development Loans, and Multifamily Loans for 1-4 family and larger residential properties. All underwriting, construction management, servicing, and accounting functions are handled in-house, with a technology partnership with Built for digital draw management and inspection scheduling.

Product overview

BD Capital is a private real estate lender offering a suite of loan products for real estate investors. The core product portfolio includes Fix & Flip Loans for short-term renovation projects, New Construction Loans for ground-up building, Bridge Loans for short-term liquidity needs, Rental Property Loans for long-term holdings, Portfolio Rentals for large-scale investors, Development Loans for larger-scale projects, and Multifamily Loans for multi-unit properties. These products work together to serve investors throughout the property lifecycle—from acquisition and renovation through construction and long-term holding—enabling clients to execute their business plans without delay.

Differentiator

Problem solved

Functional benefit

Products and services

• Fix & Flip Loans Short-term loans for the purchase and rehabilitation of 1-4 family residential properties, including single family fix & flips and multifamily fix & flips. Loan sizes $75K to $2.5M, 10%-12% interest, 0-2 points, up to 80% LTC, up to 70% loan-to-ARV, 12-month term, no prepayment penalty, minimum 660 credit score, and 100% reimbursement of construction costs.
• New Construction Loans Vertical ground-up construction financing for homebuilders covering land acquisition and construction of 1-4 family residential properties, including single family, multi-family, condos, and townhomes. Loan sizes $75K to $2.5M with 6 to 24 month terms.
• Bridge Loans Short-term loans for cash out or refinance of 1-4 family residential properties without construction proceeds, providing quick access to short-term capital for investors.
• Rental Property Loans Loans for purchase, refinance, and cash out refinance on residential rental properties and portfolios. Loan sizes $100K+ with 30-year amortization and 5, 7, or 10-year interest-only options, prepayment penalty applies, 600 minimum credit score.
• Portfolio Rentals Loans designed for investors holding 5 to 1,000+ rental properties at a time, providing financing for large-scale rental portfolios.
• Development Loans Loans covering entitled land acquisition, horizontal and/or vertical construction of 5+ residential properties for developers building larger multi-unit residential projects.
• Multifamily Loans Loans for multifamily and multi-unit residential properties, providing rapid renovation capital for multifamily and multi-unit investments, with a dedicated VP Multi-family role overseeing this product.

Quantifiable outcome

• 85% repeat business rate
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• BuiltcoreTechnology or IntegrationBD Capital has partnered with Built (a construction technology platform) to enhance the borrower experience for draw management. Borrowers log into Built to request and schedule inspections, create draw requests with specific amounts or percentage-complete options, and receive confirmation within 2-3 days. The platform allows busy builders to focus on projects rather than paperwork. BD Capital Draw Engineers assist with questions and wired funds typically go out same day once documentation is verified.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: Rocket Mortgage is the largest US mortgage originator; while primarily focused on owner-occupied loans, its scale and technology set the competitive bar for residential lenders including BD Capital.
• NewRez (New Residential Mortgage): NewRez is a large non-bank mortgage lender that also services investor and rental loans through wholesale and retail channels, providing broader market context for BD Capital's niche offerings.

Direct peers

• Astro Lending: Astro Lending is a private hard money lender focused on fix-and-flip and new construction loans for residential investors, competing with BD Capital in the same investor segment.
• RCN Capital: RCN Capital is a private real estate lender offering fix-and-flip, new construction, and rental loans to investors, serving as a direct competitor in the Northeast and Southeast US where BD Capital operates.
• Kiavi: Kiavi (formerly LendingHome) is a major private residential real estate lender offering bridge and fix-and-flip loans to investors, directly competing with BD Capital's core Fix & Flip and New Construction products.
• CoreVest Finance: CoreVest (acquired by Redwood Trust) is a private lender focused on residential real estate investors, offering bridge, fix-and-flip, and rental portfolio financing that closely mirrors BD Capital's suite.
• Fund That Flip: Fund That Flip is a private real estate investment and lending platform that originates fix-and-flip loans for investors—direct overlap with BD Capital's primary Fix & Flip loan product.
• Lima One Capital: Lima One Capital is a private lender specializing in fix-and-flip, new construction, and rental portfolio loans for residential real estate investors—nearly identical product mix to BD Capital.
• Groundfloor: Groundfloor is a private real estate lending platform funding fix-and-flip and rental loans for individual investors, overlapping with BD Capital's SMB investor target market.

Others

• Built Technologies: Built is the construction draw management platform BD Capital partners with for draw processing and inspections—an ecosystem enabler rather than a direct competitor, but tightly coupled to BD Capital's operational model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xfacebook.com/BDCapitalLLC
• Facebookfacebook.com/BDCapitalLLC
• LinkedInlinkedin.com/company/bd-capital-llc
• Instagraminstagram.com/bd_capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BD Capital