--- title: Home --- # BUILD FAST. SELL FASTER. ### CAPITAL THAT SCALES WITH YOU **CMG’s Spec Construction Financing Division** empowers builders with smarter, faster capital solutions designed to match your pace, your market, and your needs. **We don't just fund builds—we fuel profits**.  Our programs are built to reduce project delays, improve margins, and keep your pipeline moving. Whether you're building five homes or five hundred, **we’ll help you scale with confidence.** ##### **   Maximize leverage and reduce capital outlay** ##### **  Flexible funding tailored to your timeline** ##### **  Hands-on support from real builder specialists**   [PRICE A DEAL ](https://loans.cmgbuilderadvantage.com/submit) [VIEW LOAN PROGRAMS ](https://loans.cmgbuilderadvantage.com#programs) ![SpecFinancingpoweredbycmgfinancial-dropshadow](https://loans.cmgbuilderadvantage.com/hubfs/Website/Logos/Spec%20Construction/SpecFinancingpoweredbycmgfinancial-dropshadow.svg "SpecFinancingpoweredbycmgfinancial-dropshadow") HOW WE HELP YOU SELL FASTER ## Build & LockTM Rate Incentive Promo ### Drop the rate. Keep the price. Sell faster. CMG’s **Build & Lock™** program gives you the power to offer **irresistible rate incentives**—without cutting price, dealing with upfront costs, or chasing new marketing vendors. You can lock in rates for up to **5 models at a time**, then showcase the savings with our **done-for-you marketing.** ##### **     Maximize marketability **and expand your buyer pool ##### **   Turn-key marketing collateral; **digital and print ##### **  Target what buyers really want**:** **a monthly payment they can afford SCHEDULE A STRATEGY CALL LOAN PROGRAMS ## Financing built to scale–your way #### Vertical ## Construction Perfect for infill builders, our specialized program offers high-leverage financing for everyday builders. --- - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Customized loan packages - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Project-based underwriting - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Dedicated project advisory team - ![Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Competitive rates with flexible terms - ![Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Access to top industry experts [GET STARTED ](https://loans.cmgbuilderadvantage.com/submit/construction-loan) Most popular #### Horizontal & Vertical ## All-In-One Designed for developers managing land and construction together—combine both phases in one efficient loan. --- - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) One-stop financing for track builders - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Finance land development costs - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Flexible draw schedules - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Fund your acquisitions - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Leverage land equity [GET STARTED ](https://loans.cmgbuilderadvantage.com/submit/construction-and-development) #### Production Builders ## BuilderFLEX Built for scale. One approval gives production builders fast, flexible capital with consistent terms. --- - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) One approval, multiple loans - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Lock-in pricing across your pipeline - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Reusable capital for ongoing builds - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Tailored draw management - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Dedicated support team [GET STARTED ](https://loans.cmgbuilderadvantage.com/submit) #### Bridge ## Bridge Loan This short-term loan gives builders fast, flexible capital to exit completed projects or fund their next deal. --- - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Fast approvals and flexible terms - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Turn equity into working capital - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Ideal for quick turns or gap financing - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Keep your pipeline moving - ![A Teal checkmark](https://loans.cmgbuilderadvantage.com/hubfs/Website/Icons/Teal%20Checkmark.svg) Purchase or refinance [GET STARTED ](https://loans.cmgbuilderadvantage.com/submit) FAQ ## Questions? ### What types of construction projects do you finance? We provide financing for any or all of the following: acquisition, land development and vertical construction.  ### How quickly can I get approved? Our streamlined application process and dedicated advisory team ensure most loans closed within 30-60 days. Smaller loans generally close quick than larger more intricate loans. ### Do you offer financing for land acquisition? Yes, we can help you finance the purchase or refinance of your permit ready land.  ### Can I use one loan for multiple projects? Yes. We can finance multiple builds in one loan. We can also encumber the equity in your entitled or developed land.   ### What do I need to get started? Simply submit a deal with your project details, and our team will guide you through the process step-by-step. ### What happens after I submit a deal? Once you submit your deal, our team will review your project and get in touch with you within 24-48 hours to discuss next steps.