You won the house. You paid cash. Now the deed takes weeks to record, and every dollar in that deal is a dollar you can’t swing at the next auction. We fund that window, then refinance you into standard RTL debt when the deed records. No additional fees, no second lender.
Georgia trustee sales run the first Tuesday of every month. Between the gavel and the recorded deed there is no title insurance, so lenders stay out and your capital stands still. You know the cycle. We built the loan for it.
Cash on the courthouse steps. The house is yours by afternoon.
The county starts its clock. No recorded deed means no title insurance.
Every dollar parked in the recorder’s queue is a dollar you can’t swing at the next sale. Our advance puts it back in your hands.
Converted into a standard first-lien RTL loan at market standards. No additional fees, no second lender.
Draws through the rehab, carried to resale or refinance. The line grows as your track record with us does.
We advance against homes you have already won, before the deed records. Cash is back in your hands for the next sale instead of parked in the recorder’s queue.
Lending between the gavel and the deed takes a structure most lenders simply do not have. We built ours for exactly this window and proved it deal by deal — the details are a conversation, not a page on a website.
We do all the work to refinance the loan into a standard first-lien RTL product at market standards. No additional fees, no new lender to court, no re-papering from scratch.
Prove one deal and your capacity grows with your volume. We would rather fund your next ten deals than ten strangers’ first ones.
Sized against verified recorded sales, never a seller’s story. Honest comps protect your capital as much as ours. If waiting on deeds is capping how many opportunities you can take down each month, bring a deal and we will walk the numbers together.
Draws, payoffs, and paperwork run on software we built ourselves. No committee, no third-party back office.
Every first Tuesday of the month, on courthouse steps across metro Atlanta, houses sell for cash to whoever shows up ready. We watched a group win house after house at those auctions, and then watched their money get stuck. Not in the houses — in the county recorder’s office. Every win left them with less cash to swing at the next auction.
We came to lending from the developer, investor, and sponsor side, and saw the gap up close: credit to sophisticated auction buyers is scarce because perceived risk runs far ahead of actual risk. Institutions cannot close that gap. It closes one relationship at a time.
So we built a loan for the exact window everyone else avoids — short duration, priced from the numbers, never a seller’s story. We underwrote the first deals by hand and built our own software to run a loan no off-the-shelf system could.
Build Team funds the moment other lenders are afraid of, so the buyers who have earned scale can actually reach it.
How we think about the credit we originate, for the people who hold paper rather than houses.
Our loans run months, not years. The exit is not an assumption in a model — it is the maturity date.
Interest is paid while the loan is outstanding. No waterfall, no promote, no exit story between the holder and the cash.
Every loan sits behind a house bought at a foreclosure auction below retail, first lien, capped against a conservative after-repair value. The downside lives in the basis, not a sensitivity table.
Standardized documents and monthly loan-level reporting you can audit without asking. Our first loan cohorts have already been purchased by institutional buyers.
And no tax story: interest is ordinary income, and we say so in the first meeting. This is the sleeve that stays liquid and pays along the way — not the one that shelters a gain.
Nothing on this page is an offer of securities. A conversation is not an offer: adam@build.team
Give us the address of a home you won at last month’s auction. A real purchase gets a real response, fast. Heading to the steps on the first Tuesday instead? Tell us which county.