Developer Solutions

American Community Capital provides an array of flexible loan products including pre-development loans, working capital loans, and equity bridge loans. American Community Capital can nimbly create new offerings to meet the needs of our diverse developer partners. 

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Products For Affordable Housing Developers

Predevelopment Loans

Our predevelopment loans cover project-based expenses for affordable housing developments, such as due diligence expenses, deposits, and other predevelopment costs (e.g. market studies, appraisals, professional fees, etc.).

Loan Amount

Up to $5MM

Term

Up to 2 years

Repayment

Interest-only

Fees

1% of loan amount plus legal

Collateral

Flexible; generally collateralized commensurate with risk; repayment guaranty

Strategic Developer Loans

Our strategic developer loans can help improve liquidity for affordable housing developers by providing working capital for project-based expenses associated with affordable housing.

Loan Amount

Up to $5MM

Term

Up to 3 years

Repayment

Interest-only, payable quarterly

Fees

1% of loan amount plus legal

Collateral

Security interest in developer fee receivables; repayment guaranty

Equity Bridge Loans

We offer two types of equity bridge loans: our warehouse loans bridge the readiness of tax credit investors to close on a tax credit syndication fund, and our long-term equity bridge loans bridge tax credit equity disbursements after construction loan closing and before project stabilization.

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Woodyard Station
Case Study

Woodyard Station

The construction of Woodyard Station Apartments and Woodyard Station Senior apartments, in Clinton, Maryland, brings 46 new affordable rental homes for low-income families and 112 affordable rental homes for low-income seniors to the community. In November 2020, American Community Capital stepped in to provide two unsecured $500,000 Predevelopment Loans to fill gaps in financing and enable the developers to cover critical predevelopment expenses – including architectural design fees, environmental surveys and inspection, appraisals, market studies, and legal fees – prior to the construction loan closings.

Learn more

In accordance with federal law, American Community Capital is prohibited from discriminating based on race, color, national origin, sex, age, or disability. If you believe you have been discriminated against, you can submit a complaint to the U.S. Department of Treasury in the following ways:
Mail: Director, Office of Civil Rights and Equal Employment Opportunity, 1500 Pennsylvania Ave., N.W., Washington, D.C. 20220
Phone: (202) 622-1160
Email: crcomplaints@treasury.gov

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