BUILD Q2 2026 Providing construction finance the way it should be, CoFi Lending is a Utah-based company on a mission to modernise construction finance by unifying capital, software, and fund control in its intuitive platform. Named as offering the Best Construction Finance Platform 2026, we take a closer look at a company that exists to bring clarity, predictability, and control to the construction lending process and teams managing growing portfolios and increasing risk. For more, we caught up with VP of Loan Origination and Sales, Andrew Poulsen, and Director of Software & Service Sales, Josh Oliver. Leading a Construction Lending Revolution Earlier this year, the Association of Professional Builders published its annual SORCI Report, in which it emphasised the link between effective management of the operational side of construction finance and the profitability of a project. Many builders have long struggled to complete projects on time and within budget, and this is where CoFi Lending can help. Offering the loans the industry needs to buy land and build houses, CoFi has carved out a name for itself as one of the best contractor finance companies. CoFi Lending works towards modernising this space every day by holding itself to the standard of making construction finance safe, predictable, and fast. Its values of transparency, operational excellence, partnership, and disciplined innovation are all an extension of this. T hey are rooted in the foundational belief that better systems ultimately create better outcomes, and that this starts right at the top with construction lenders. With this unity impacting everyone from lenders like CoFi themselves, through to the builders, their client, and the wider construction ecosystem, Andrew explained: “When technology, capital, and process are aligned, risk decreases, communication improves, and projects move ahead with confidence.” This can be attributed in part to CoFi’s award-winning platform touched on above, which makes it easy to not only get funded, but also to stay within budget, pay contractors on time, and access the given loan 24/7. A leading construction lender, CoFi’s specialities lie in single-family, multi-family, modular, and rehabilitation financing. Here, it blends industry expertise with purpose-built infrastructure, simplifying loan origination and servicing. Its thorough approach also adds structured fund control and proprietary management, ensuring borrowers receive streamlined communication, faster approvals, and improved visibility across the whole project. Josh himself added: “We do not simply provide capital. We provide structure.” It is this structure which ultimately sets CoFi apart, especially since most of its fellow lenders are reliant on disconnected systems, with one often used for loan origination, another for draw management, and so on across the process. Such fragmentation introduces friction, delays, and begins to eat away at profits. A single ecosystem means CoFi does not suffer from such a fate, but, as we will explore further, things do not stop there. Beyond its lending division, CoFi also comprises CoFi Software & Services, which sees the same platform and operating system that fuel CoFi Lending offered to other financial institutions operating in this space. This is driven by an awareness of the fact that construction finance can only achieve its maximum potential when players operate from a shared source of truth. The purpose of this division is to enable fellow lenders to modernise their portfolios, without having to rebuild systems from the ground up. “Together, CoFi Lending and CoFi Software & Services represent a unified vision: construction finance that is structured, transparent, and built for scale.” Commenting on the impact this approach has, Andrew said: “CoFi is uniquely positioned as both a lending institution and a fintech platform developer and administrator, and as such, plays a meaningful role in enabling construction growth.” Josh continued: “Construction shapes communities. Access to efficient capital determines which projects go ahead and how quickly housing and infrastructure come to market. By modernising construction finance, we support housing availability, responsible development, and regional growth.” As this shows, CoFi takes its role in deciding which capital flows into the build environment very seriously, and this is a commitment embodied by the team here. A major part of this involves both anticipating and responding to the needs of its borrowers and platform clients. To support this, CoFi brings together their in-house lending, underwriting, funds control, and software engineering teams which possess all of the capabilities required to carry this out, further setting the company apart. On the back of the strengths inherent across this team, CoFi is set to spend the coming years continuing to expand its lending capacity and the capabilities of its platform, particularly in areas like predictive risk insights and enhanced lending automation. Driving this is the fact that we are reaching a point where predictability matters as much as demand, and CoFi aims to become an operational backbone for modern construction lending across the US. For more, visit this construction lender at the web address below. Contact: Andrew Poulsen & Josh Oliver Company: CoFi Lending Web Address: https://cofilending.com/
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