Ground-Up Construction Loans
Build single-family, multifamily, mixed-use, or spec construction with capital structured around the project budget. Land acquisition + construction in a single loan.
Up to 85% LTC · Land + build covered
Loan Amount
LTC
Rate
Term
Speed
What it is. How it works. Who it's for.
Ground-up construction loans finance both the land purchase and the vertical construction. Funds release in draws as work is completed and inspected. Designed for builders, developers, and investors with a clear plan-to-permit project.
Best fit for
- SFR spec builders
- Small multifamily developers (2–20 units)
- Build-to-rent investors
- Custom build for end-user with refinance to permanent
Four steps from inquiry to wire.
- 01
Term Sheet
Indicative terms in 3–5 days based on project package.
- 02
Underwrite
Plans review, GC vetting, appraisal subject-to-completion.
- 03
Close
Land acquisition wires; construction draws scheduled.
- 04
Draws
Funds released in stages (foundation, frame, finish) after inspection.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- FICO 680+
- Permits ready or near-ready
- Experienced GC if sponsor is first-time
- Plans, budget, schedule
The ones we get most.
Often paired with Ground-Up Construction Loans
Fix & Flip Loans
- Experienced flippers scaling deal volume
- First-time investors with experienced contractors
Multifamily Loans
- Stabilized acquisitions and refis
- Value-add (bridge to stabilization)
Stabilized Bridge Loans
- 1031 exchange acquisitions
- Recapitalizing equity in stabilized property
Apply for Ground-Up Construction Loans
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment