Ground-Up Construction Funding Built for Builders Who Move Fast
Fast, flexible financing for new construction from lot acquisition through the full build — draws released as each phase completes, so your project never stalls waiting on cash.
Request Term SheetGround-Up Construction Program
Built for builders and developers taking a project from land acquisition through completion. Draws are released on your schedule as each phase of the build is finished, so your crews stay paid and your timeline stays on track.
Apply NowProgram Highlights
- ✓Up to 85% Loan-to-Cost
- ✓Loan Amounts $250K – $5M
- ✓Lot Acquisition Included
- ✓Flexible Draw Schedule
- ✓Interest Only on Drawn Funds
- ✓12–24 Month Terms
- ✓No Payments on Undrawn Funds
- ✓SFR, 2–4 Unit & ADU Projects
- ✓Exit via Sale or Refinance at Completion
What Is a Ground-Up Construction Loan?
A ground-up construction loan funds both the lot purchase and the full build in a single loan, released to you in draws as each stage of construction is completed and inspected — foundation, framing, mechanicals, finishes, and so on.
That structure means you're not carrying the full loan balance on day one. You pay interest only on the funds that have actually been drawn, so your capital stays available to move on the next lot instead of sitting tied up in a single project.
Apply NowWhy Use a Ground-Up Construction Loan
Construction financing is built for the leverage a conventional bank loan can't match. Instead of qualifying on personal income and tying up your own cash in the lot and the build, a construction loan lets you fund a higher share of cost — so you can take on the next project instead of waiting on this one to sell.
It also keeps you moving in a market where buildable lots don't sit long. With underwriting built around the project and the builder rather than a lengthy personal-income file, you can lock up land and start building while conventional financing is still in underwriting.
Apply NowCheck Out Our Loan Programs
Ground-up construction isn't the only way we fund investors. Here's the full lineup.
Fix & Flip
Short-term rehab financing with advanced draws.
Bridge Loans
Fast, short-term capital to close before permanent financing is in place.
DSCR / Rental
Long-term financing qualified on the property's cash flow.
Ground-Up Construction
Financing from lot acquisition through the full build.