Ground-Up Construction Loans
Build with confidence. Land acquisition plus vertical construction financing in a single loan.
Loan Size
$50K – $3M
Term
12–24 months
Leverage
Up to 85% total project cost
Coverage
44 states + DC
Overview
Finance your entire new construction project — from land acquisition through vertical build — with a single loan. Our draw-based structure releases capital as your project hits milestones, with inspections at each stage to keep the build on track. Ideal for builders who need certainty of execution and competitive leverage on spec or pre-sold residential construction.
High Leverage
Finance up to 85% of total project cost including land, hard costs, and soft costs — deploy less of your own capital per build.
Draw Flexibility
Capital is released on a draw schedule tied to construction milestones, so funds are available exactly when you need them.
Certainty of Execution
Pre-approved draw schedules and clear inspection criteria mean no surprises mid-build. Know your capital plan from day one.
National Reach
Build in any of 44 states plus DC. One lending partner for projects across multiple markets.
Instant Estimate
Planning estimate only. Final terms depend on experience, credit, and project metrics.
How It Works
Submit Scope & Permits
Provide your construction plans, budget, permits, and builder resume so we can evaluate the project from day one.
Receive Customized Terms
We structure a term sheet around your specific build timeline, draw needs, and leverage requirements.
Draw Funds as You Build
Request draws at pre-agreed milestones. A third-party inspector verifies progress and funds are released promptly.
Complete & Stabilize
Finish construction, obtain your certificate of occupancy, and sell or refinance into permanent financing.
Good Fit For
Spec Homes
Ground-up single family or townhome builds intended for sale upon completion — maximize leverage and minimize your equity in each project.
Pre-Sold Custom Builds
Projects with a signed purchase agreement in hand, allowing for higher leverage and a clear exit strategy at completion.
Small Multifamily Development
New construction of duplexes, triplexes, and fourplexes where rental income or sale proceeds provide the takeout.
Key Details
- Land acquisition + vertical construction in one loan
- Draw-based disbursement with third-party inspections
- Interest reserve available to reduce out-of-pocket carry
- Builder experience required — 2+ completed projects preferred
- Spec homes and pre-sold custom builds eligible
- Close in approximately 2 weeks from complete file
Eligible Property Types
Ideal Borrower
Experienced builders and developers executing spec or pre-sold residential construction. Best suited for 1-4 unit new builds where you need land acquisition and construction capital packaged together with a reliable draw process.
Frequently Asked Questions
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