Nationwide Development Financing
Capital Built for Developers Who Build America
SEP4 is a private lender, developer, and partnership providing institutional-grade development financing for builders across the United States — from ground-up construction to complex bridge transactions.
Financing Solutions
Capital for Every Stage of Development
From land acquisition to stabilized exit, we have a program built for your deal.
Construction Loans
$500K–$50M12–24 months
Ground-up financing for residential and commercial construction projects.
Bridge Financing
$1M–$30M6–24 months
Short-term capital to bridge the gap between acquisition and permanent financing.
Multifamily Loans
$1M–$50M12–36 months
Construction and bridge financing for apartment communities of all sizes.
DSCR Loans
$500K–$20M30-year fixed or ARM
No personal income verification. Eligible for short-term rentals and foreign nationals.
Commercial Development
$2M–$75M12–36 months
Office, retail, industrial, and mixed-use development financing.
Land Acquisition
$500K–$20M12–24 months
Acquisition financing for entitled and unentitled land.
Why SEP4
A Lender That Thinks Like a Developer
We've been on your side of the table. As active developers and partners ourselves, we underwrite deals the way you think about them — focused on fundamentals, not bureaucracy.
Start Your ApplicationIn-House Credit Decisions
No committees. Our principals approve every loan, so you get answers fast.
Term Sheets in 24–48 Hours
We move at the pace of development. Submit today, get terms tomorrow.
Developer-First Underwriting
We evaluate your project the way you do — on fundamentals and exit strategy.
Transparent Pricing
No hidden fees. No surprises at closing. What we quote is what you pay.
Nationwide Platform
Active in 48 states across every major market and asset class.
Long-Term Partnerships
We invest in sponsors, not just deals. Most of our borrowers come back.
Developer Stories
Built on Results
"SEP4 closed our construction loan in 18 days. Every other lender was still asking for more documents."
Marcus Webb
Principal, Webb Development Group
"They understood our deal from day one. No re-trades, no surprises — just a clean close and a great rate."
Diana Reyes
Managing Partner, Reyes Capital
"We've closed four deals with SEP4. They're the first call we make on every new acquisition."
Thomas Nguyen
CEO, Apex Real Estate Partners
Ready to Fund Your Next Project?
Submit your deal today and receive a term sheet within 24–48 hours. No obligation, no upfront fees.
No upfront fees. Term sheets in 24–48 hours.