Selected projects financed by David Guiness
Acquisition and development financing for 12 townhome pads and 8 single-family lots, followed by vertical construction loans for the townhomes. We were involved from the beginning and laid out the financial strategy for the project — the A&D structure, the release-price schedule, and the sequencing that cleared a hard land deadline.
Below is the same vantage point, June 2023 to March 2026.
Land, horizontal, vertical, sell-out. Four different capital problems, one plan written at the start.
Not every engagement is a new loan. We've been retained to find out what a balance sheet actually holds — and found a lien position that had been quietly released, senior debt that had grown without notice, and eight notes that needed to become one. We modeled the payoff lot by lot, consolidated the debt into a single secured facility, and told counsel what to paper.
If you're holding a development asset and you're not certain what you own, that's the work.
Structure Lend is David Guiness.
Twelve years on the lender's side — commercial real estate and homebuilder finance at Zions Bank, then top producer at Builders Capital, where he opened the Utah market from nothing and financed 463 homes and 418 lots. Across both, $379 million underwritten and $311 million closed. Dual master's degrees in Real Estate and Land Development from Texas A&M. He still flies and photographs the projects he works on — every aerial on this page is his own.
He started Structure Lend because the most useful work he did as a lender happened before the loan application — and lenders don't get paid to do it.
