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  • Ground-Up Construction · Nationwide

Construction Loans — Fund the Build From the Dirt Up

Financing for land acquisition and vertical construction, released through draw schedules as each milestone is completed.
  • Land + construction
  • Up to 85% LTC
  • Draw-based funding

Get Your Construction Quote

Loan to Cost
30 % LTC
Construction Funded
1 %

Land + Build

One Loan

12–24 Mo

Interest-Only

  • What It Is

One Loan, From Lot to Finished Build

A ground-up construction loan can fund land acquisition and the vertical build, with capital released through milestone-based draws.

It is built for experienced builders and investors developing single-family, multifamily, or small commercial projects.

We fund the build phase by phase, draw by draw.

Land + Build in One

Finance acquisition and construction together.

Fast Draw Inspections

Keep work moving as milestones are completed.

Builder Pricing

Terms can reflect experience and track record.

Refi to Permanent

Exit into long-term financing after completion.

  • At a Glance

Construction Loan Terms

$150K – $5M+

Loan Amount

Up to 85%

Loan to Cost

Up to 70%

Loan to ARV

Up to 100%

Construction

12–24 Mo

Term

SFR – Multi

Properties

  • How It Works

From Plans to Funded in Four Steps

01
Submit the Project
From Plans to Funded in Four Steps
02
Review Scope
Share plans, budget, and timeline.
03
Check Feasibility
We confirm numbers and exit plan.
04
Close & Draw
Close the loan and start draws.
  • Recently Funded

Construction Deals We've Closed

$385,000

San Diego, CA
  • Closed in 9 days

$272,000

Austin, TX
  • Closed in 16 days

$640,000

Phoenix, AZ
  • Closed in 6 days
  • FAQ

Construction Questions, Answered

Do I need building experience?
Construction loans favor experienced builders and developers, and a track record improves your leverage and pricing. Newer builders may still qualify with a strong project, the right team (GC), and a solid budget — tell us your scenario and we’ll walk through it.
Construction funds are held and released in draws tied to completed milestones (e.g., foundation, framing, mechanicals, finish). You request a draw, we run a quick inspection to verify progress, and funds are released — so capital flows with the build.
Yes. We fund land acquisition at closing and the construction in draws, all under one loan — so you don’t need a separate lot loan.
At certificate of occupancy you exit the construction loan — typically by selling the finished property or refinancing into permanent financing or a DSCR loan. We can structure that exit with you from the start.