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Accelerated performance in the second half of the year solidified company’s leadership in business-purpose lending

February 4, 2024 – OAKBROOK TERRACE, Ill. –  Constructive Capital, a leading wholesale capital provider for mortgage brokers and real estate investors, has announced a record-breaking year in 2024, with accelerated growth fueled by the company’s innovative lending strategies, strong broker partnerships, and exceptional team culture.

In the second half of 2024, Constructive Capital’s volume increased 77% compared to the first half of the year and grew 68% year-over-year from the second half of 2023. Over the past four months, the company also gained 35% in market share, solidifying its position as one of the top five residential business-purpose lenders and the fastest-growing among its peers.

“Our success is rooted in our diverse capital sources, unwavering commitment to brokers, and a sharp focus on DSCR (debt service coverage ratio) rental loans and residential transitional loans,” said Ben Fertig, president of Constructive Capital. “We are not just growing—we are doing so responsibly, ensuring loan performance standards remain high while delivering exceptional results for our clients.”

Company officials highlighted Constructive Capital’s diversified sources of capital as a key factor behind its growth. This foundation has allowed the firm to scale aggressively while maintaining the reliability and flexibility that brokers need to compete in a challenging market.

Constructive Capital’s growth has been supported by the company’s lean, highly effective team and focus on operational excellence. Company officials noted that the firm has maintained fast turn times, even for complex loans, ensuring its broker clients stay competitive. Additionally, employee satisfaction reached an all-time high in 2024, with the promotion of three sales leaders—Michael Fuller, Kyle Concannon, and Benn Jackson—to vice president roles, further driving the company’s innovation and growth.

“Our culture and broker relationships have never been stronger,” Fertig added. “We believe success in this industry isn’t just about speed or process—it’s about delivering when it matters most and standing by our clients at every step.”

Looking ahead, Constructive Capital expects to continue its fast growth in business-purpose lending in 2025 while remaining focused on empowering brokers with the tools, capital and support they need to serve real estate investors effectively, Fertig said.

About Constructive Capital
Constructive Capital is a leading wholesale provider of business purpose capital serving mortgage brokers and their real estate investor clients nationwide. Based in Oakbrook Terrace, Illinois, and founded in 2017, the company specializes in DSCR rental loans and residential transitional loans and is committed to delivering stable capital with speed, flexibility and reliability. Driven by a commitment to strong broker relationships, innovative technology, and exceptional service, Constructive Capital empowers mortgage brokers to achieve their clients’ residential real estate investment goals efficiently and with confidence. For more information, visit www.constructiveloans.com.