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The Constructive team draws on decades of experience to chart the course for the future of private lending. Our focus on speed, flexibility, price, and reliability sets us apart from the competition and helps our brokers and their clients achieve their financial goals. 

Client Success

Client success is our top priority at Constructive Capital. We understand that real estate investors value reliability and speed when selecting a capital partner. As the industry leader in providing permanent financing solutions for real estate investors, we are dedicated to meeting our clients' needs. We recognize that the relationships between private investors, brokers, and lenders are vital. Our mission is to help our clients meet their financial goals while safeguarding and enhancing these crucial relationships.

Client
Success is First

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Relationships
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At Constructive Capital, we recognize that relationships between private investors, brokers, and lenders are the lifeblood of our industry. Our goal is to offer solutions that not only meet the needs of all parties involved but also strengthen and preserve these vital connections. At Constructive Capital, we are committed to fostering trust and promoting success within the industry.

Protecting Relationships Drive Success

Core Values
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Core Values Define Us

At Constructive Capital, our core values define who we are as a company. We believe in excelling under any market conditions, and we are constantly striving for success. By offering diversified products and capital sources, we provide our clients with a wide range of options to help them meet their financial goals and promote their success in any market environment.

Reliability & Speed
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Reliability and Speed are Key

When it comes to choosing a capital partner, reliability and speed are paramount for real estate investors. At Constructive Capital, we pride ourselves on delivering both. Our reputation as an industry leader is built on providing fast and dependable financing solutions. With industry-leading turn times, we consistently fund 85% of approved wholesale applications within 20 days. When you work with Constructive Capital, you can rely on us to provide the capital your investors need to seize investment opportunities.

Awards

Awards & Achievements

Our team is honored to be recognized for our accomplishments and leadership by industry associations and publications. We are proud to share this recognition and are grateful to call these professionals coworkers

Leadership

Constructive Leadership

Ben Fertig_Headshot

Ben Fertig

President

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bfertig@constructiveloans.com

Paul Glover Headshot

Paul Glover

Chief Financial Officer​

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pglover@fayfinancial.com

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Alan Tiongson

Vice President, Secondary Marketing & Asset Mngmt. 

 

ationgson@constructiveloans.com

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Michael Fuller

Vice President of Wholesale

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mfuller@cmwholesale.com

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Carlos Rodriguez

Vice President of Wholesale

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crodriguez@cmwholesale.com

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Justin Rowley

Senior Director, Business Development

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jrowley@cmwholesale.com

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Tess Siwa

Senior Vice President, Operations

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tsiwa@constructiveloans.com

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Megan Castleton

Chief Credit Officer â€‹

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mcastleton@constructiveloans.com

Kyle Concannon Headshot

Kyle Concannon

Vice President of Product, Wholesale

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kconcannon@cmwholesale.com

Benn Jackson headshot

Benn Jackson

Vice President of Wholesale

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bjackson@cmwholesale.com

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Tiffaney Mason

Senior Director, Business Development

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tmason@constructiveloans.com

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Kathleen Slack

Processing Manager

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kslack@constructiveloans.com

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Jennifer Tinimbang

Operations Support Manager

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jtinimbang@constructiveloans.com

Constructive Capital Logo

1801 S. Meyers, Suite 400
Oakbrook Terrace, IL 60181

Tel: 833-208-1442

CONSTRUCTIVE CAPITAL DISCLAIMER

All terms subject to credit approval. All loans must be solely for a business or commercial purpose and secured by a non-owner-occupied property. Products not available in ND, RI, or UT. In CA, NV, and SD products offered by Fay Servicing, LLC d/b/a Constructive Mortgage Services. NMLS ID 88244. In all other states not previously listed, products are offered by Constructive Loans, LLC d/b/a Constructive Capital. Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. All loans made and arranged in California pursuant to a California Financing Law License # 60DBO-82792. Rates, terms, and conditions are subject to change from time to time without notice. This advertisement is intended for mortgage professionals only.

Constructive Loans LLC, dba Constructive Capital, 5426 Bay Center Dr., Suite 300, Tampa, FL 33609. This website may be used by commercial lenders, brokers and borrowers and may not be used by members of the general public or residential owner occupied mortgage loan applicants in particular. The use of this website DOES NOT constitute an application for a mortgage loan and the pre-qualification and program recommendations generated by this website DO NOT under any circumstances constitute either a formal or informal loan approval or rate commitment. Terms and pricing recommendations generated by this website are subject to change without notice. Adjustable rate programs, fixed rate programs, pre-payment penalties, and applicable fees will apply according to separate guidelines and may change the nature of the pre-qualification and program recommendations generated by this website.

© 2025 Constructive Loans. All rights reserved.

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