Matt’s Building Materials and Capital Insiders have launched a new partnership designed to solve one of the biggest challenges facing small and entry-level builders in the Rio GrandeValley: access to credit for construction materials.

Many builders have the skills and experience to build homes but struggle to get approved for supplier credit. Without liquidity, even strong builders can find it difficult to purchase materials and keep projects moving. This new program was created to remove that roadblock.

Under the program, Capital Insiders first approves builders for a construction line of credit. Once approved, Matt’s Building Materials then extends material credit directly to the builder so they can purchase what they need to build their project.The approval process is simple and fast.According to Emiliano Zapata, CEO of Capital Insiders, about 90 percent of approvals are completed over the phone.

To qualify, builders must meet three basic requirements:

• A credit score of 620 or higher (lower scores may be considered with strong experience)
• Ownership of the lot where the home will be built
• An active LLC business structure

Capital Insiders is a private lending group that works with builders, contractors, and developers throughout the Rio Grande Valley. They specialize in construction financing and are known for flexible underwriting and fast approvals.

Matt’s Building Materials, a longtime supplier serving South Texas builders since 1969, saw a growing need for a practical credit solution for smaller builders who are often locked out of traditional supplier financing. This partnership fills that gap.

Designed for entry-level builders with experience but limited liquidity, the program allows approved builders to purchase materials, start construction, and complete projects without cashflow delays. It was officially launched on January 15, 2026, during a rollout meeting at Matt’sBuilding Materials’ Pharr location with builders and staff members in attendance.