For homebuilders, finished but unsold homes can tie up substantial working capital. While these units wait for buyers, your ability to fund new projects or cover operational expenses may be limited. Yorktown Capital’s Inventory Loan Program is designed to help you turn that idle inventory into available capital—without forcing you to discount prices or rush sales.
Why Inventory Loans Matter
- Start new construction projects
- Take advantage of land acquisition opportunities
- Cover ongoing operational costs
Our Approach to Qualification
- Location – Neighborhood appeal and market demand
- Condition – Quality of construction and readiness for sale
- Market Value – Realistic pricing based on current conditions
- Builder Track Record – Your history of successful completions and sales
Most qualified applications move through underwriting in 7–10 days.
The Loan Process
- Initial Discussion – We review your inventory situation and provide loan terms within 48 hours.
- Documentation – You’ll submit required documents (typically 3–5 days to complete).
- Underwriting Review – Our underwriting team conducts a brief final review.
- Funding – Most loans close within 2 weeks of application. No prepayment penalties.
How the Program Works
- Loan Term: 12–24 months
- Loan-to-Value: Typically 70–80% of current market value
- Renewal: Flexible renewal options available
- Control: You set your sales timeline and price—no pressure to accept subpar offers
Key Benefits
- Improved Cash Flow – Access working capital without liquidating assets prematurely
- Sales Flexibility – Hold out for optimal pricing without financial strain
- Business Continuity – Keep building, acquiring, and growing without delays
- Fast Turnaround – From initial conversation to funding in as little as two weeks
Conclusion
Your finished inventory doesn’t have to be a financial roadblock. With Yorktown Capital’s Inventory Loan Program, you can unlock the capital you need to grow—while maintaining full control over your sales process.
