Investment Lender
Constructive Capital
BPL Funding, operating from Charlotte, NC, is a non-bank lender specializing in asset-based financing for real estate investors across the U.S. Its primary focus includes short-term bridge loans for fix-and-flip projects and long-term DSCR loans for rental properties, enabling quick capital access without traditional consumer mortgage constraints.
Key Statistics
As of January 2026, public records show Constructive Capital has originated approximately $1.4B in loan volume over the past 12 months, with an average loan size of $285k.
Volume (12mo)
$1.4B
Avg Loan Size
$285k
Total Mortgages
24,183
Total Borrowers
13,513
Lending Entities
Constructive Capital funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
9,931 mortgages recorded
9,797 mortgages recorded
2,873 mortgages recorded
1,156 mortgages recorded
+125 more not shown
Geography
Constructive Capital's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 1,421
Volume (12mo): $177.8M
Total Volume: $392.1M
Mortgages (12mo): 574
Volume (12mo): $110.0M
Total Volume: $1.3B
Mortgages (12mo): 417
Volume (12mo): $80.4M
Total Volume: $495.8M
Top Borrowers
The following individuals have the most recorded mortgage transactions with Constructive Capital. Click on a borrower to view their full investor profile.
+13,510 more not shown
FAQ
What type of lender is Constructive Capital?
Constructive Capital is classified as an investment lender based on our research. Investment lenders provide asset-based financing for real estate investors, including DSCR, fix and flip, and bridge loans. The majority of their loans (85%) are for business purposes.
What entities does Constructive Capital fund loans under?
Constructive Capital originates mortgages through 129 different lending entities. The most common include Bpl Mortgage, Bpl Mortgage Trust, and Constructive Loans. These are the legal entity names that appear on recorded mortgage documents.
Where is Constructive Capital most active?
Based on recorded mortgages, Constructive Capital is most active in Ohio, Pennsylvania, and Illinois.
How many loans has Constructive Capital originated?
Public records show 24,183 mortgages recorded for Constructive Capital, with $1.4B in volume over the past 12 months.
What is the average loan size for Constructive Capital?
The average mortgage size for Constructive Capital is $285k based on all recorded mortgages.
Does Constructive Capital offer short-term loans?
Constructive Capital primarily offers long-term financing, with only 7% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.