Loan program

Ground-Up Construction Loans

Financing for new builds, spec homes and small developments, from land to vertical.

What we arrange

Spec homes, infill, small multifamily and build-to-rent
Up to 85% of land and 90% of total cost, subject to ARV caps
12 to 24 month terms with extensions
Draws against inspections as the build progresses
Takeout into DSCR or permanent financing at completion

Every lender sets its own guidelines. The numbers above are typical of the lenders we work with, not a promise. Tell us your deal and we will come back with quotes from the ones that fit.

Get quotes on a ground-up construction loans deal

Send the property, loan amount and timeline. Quotes in one to two business days. No credit pull to see terms.

Start here

Questions

Do I need to own the land already?

No. Many lenders finance the land purchase inside the construction loan.

What experience is required?

Most construction lenders want a completed build or a licensed builder on the project. We will tell you where you stand before you spend on plans.