Ground-Up Construction
Ground-Up Construction Loans
Hard money construction loans designed for builders and investors who need fast, reliable funding from lot purchase to completion. Build single family or 2-4 unit residential properties with confidence.
Our ground-up construction loans give experienced builders and investors the capital they need to take projects from raw land to finished property. With up to 95% LTC and 100% budget funding, we make it easy to fund your next build — without the red tape of traditional bank financing.
Loan Terms
Construction Loan Details
Loan Amounts$100K – $3M
Loan TypesAcquisition & Refi
Terms12, 15, 18, 21, 24 mo
PaymentInterest Only
Leverage95% LTC / 75% ARV
Budget FundingUp to 100%
Min FICO660
Borrower TypeEntity Only
Property TypesSingle Family, 2-4 Units
Prepayment PenaltyNone
Experience Requirement
Minimum 1 rehab (structural) or 1 new construction within the last 36 months. We work with experienced builders and investors who know how to deliver quality projects.
Construction Management
In-house construction management with our quick draw process. Get rehab funds released fast as you hit construction milestones — no waiting weeks for approvals.
In-House Servicing
We service all loans in-house, meaning you'll work with the same team from start to finish — no servicing transfers or third-party headaches.
Project Requirements
No third-party project feasibility study required. Our experienced underwriting team evaluates projects directly, saving you time and money.
Why Choose Our Construction Loans?
- Up to 95% LTCLess of your own capital tied up in the project
- 100% Budget FundingWe fund your entire construction budget
- No Prepayment PenaltyPay off the loan when you sell or refi
- Quick DrawsFast funding releases as you hit milestones
- In-House EverythingNo third-party project reviews required
- Builder FriendlyDesigned for experienced builders and investors
The Process
How Construction Loans Work
- 1. Apply OnlineSubmit your application with project details and budget breakdown.
- 2. Review & UnderwriteOur team reviews your project, budget, and experience — no third-party feasibility study needed.
- 3. Get ApprovedReceive your construction loan approval with clear terms and no surprises.
- 4. Lot Purchase or RefiClose on the lot acquisition or refinance existing land to fund the build.
- 5. Build & DrawSubmit draws as you complete construction milestones — fast turnaround every time.
- 6. Sell or RefinanceSell the finished property or refi into long-term financing when complete.
Smart Construction Financing
Why Hard Money for Construction?
Speed to Funding
Bank construction loans can take 60-90 days to close. Our hard money construction loans move much faster, letting you start building sooner and keeping your project timeline on track.
Higher Leverage
Banks typically max out at 75-80% LTC on construction projects. Our hard money construction loans go up to 95% LTC, keeping more of your capital free for other deals.
Built for Builders
Every aspect of our construction loan program is designed with builders in mind — from the quick draw process to the flexible terms and in-house servicing. We move at the speed your project demands.
Quick Draw Process
Our in-house construction management team processes draws quickly so you're never waiting weeks for funds. Keep your project on schedule and your subcontractors paid on time.
Frequently Asked Questions
Construction Loans FAQ
What experience do I need?
You need a minimum of 1 structural rehab or 1 new construction project completed within the last 36 months to qualify for our construction loans.
How much can I borrow?
Our construction loans range from $100K to $3M, with up to 95% LTC and 100% budget funding for qualified borrowers.
Do I need an LLC or entity?
Yes, our construction loans require an entity-level borrower (LLC, corporation, etc.). This is standard for commercial-style real estate financing and helps protect your personal assets.
Are there prepayment penalties?
No. Our construction loans have zero prepayment penalties so you can refi or pay off the loan whenever your project is complete without any extra fees.
Ready to Build?
Get a quote on your construction loan.
Free quote in less than 24 hours. No obligation, no junk fees, no surprises.