Ground Up Construction

Build from the ground up. We fund every phase.

From land acquisition through vertical build to project stabilization, we provide phased construction financing designed for developers who move fast. Flexible terms, competitive rates, and straightforward underwriting for residential and commercial projects of all sizes.

Construction Financing

Phased funding that matches your project timeline. We underwrite based on the entire project scope and provide draws at each major construction milestone—no surprises, no waiting.

  • Loan amounts: $150K to $10M
  • Terms: 12–24 months (construction phase)
  • LTV: Up to 85% of total project cost
  • Construction LTV: Up to 100% of construction costs (with sufficient land equity)
  • Draw schedule: Phased funding based on construction milestones and inspections
  • Residential & commercial: Single-family builds, spec homes, multi-unit, small commercial
  • Project types: New construction on your land or ours

What We Finance

We fund the full spectrum of ground-up development.

Project Types

  • Custom single-family homes
  • Spec home builds
  • Townhome and multi-unit residential
  • Small commercial builds
  • Mixed-use development

What You Need

  • Architectural plans and permit applications
  • Detailed construction budget and schedule
  • General contractor info and license verification
  • Lot ownership or purchase contract
  • Project timeline and draw schedule
  • Builder experience and track record

Your Build Path

1

Land Acquisition

Secure the lot with a purchase contract or land loan. We can fund acquisition as part of the overall deal.

2

Permitting & Plans

Finalize architecture, engineer reports, and pull all necessary permits. We'll review for loan documentation.

3

Construction Draws

Phased funding released at construction milestones—foundation, framing, rough-in, drywall, final. Inspections before each draw.

4

Certificate of Occupancy

Project completion, final inspection, and receipt of CO. Construction loan moves to exit phase.

5

Exit Strategy

Sell for profit, or refinance into a DSCR loan and hold as a rental. We can do both on the same day.

Ready to break ground?

Apply Now