What Is a Ground-Up Construction Loan?

Ground-up construction financing for single-family and commercial projects. Up to 85% of total project costs, with draw-based funding released at each phase of the build.

How Ground-Up Construction Loans Work

Building from the ground up takes vision, execution, and a lender who believes in the deal. Our Ground-Up Construction program finances up to 85% of total project costs, giving developers and builders the capital to break ground without draining their own liquidity. Funds are structured in draws as construction progresses — so you're never waiting on capital to keep the job moving.

Developers and builders taking on new residential or commercial construction — from single spec homes to multi-unit projects. Whether it's your first build or your fiftieth, if the deal pencils, we can structure it.

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Up to 85% of total project costs Loan-to-cost (LTC)
Draw schedule by milestone Tied to construction progress
Land + construction in one loan Acquisition and vertical build combined
Interest on drawn funds only Lower carrying costs early on
No tax returns or income docs Qualify without W-2s

Ground-Up Construction Loan Requirements

Straightforward requirements built around the project plan and budget.

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Up to 85% of total project costs (LTC)
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Land acquisition and vertical construction financed together in a single loan
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Interest charged only on funds drawn
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Draw schedule tied to completed construction milestones
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No tax returns or personal income documentation required
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Property types: single-family spec homes through multi-unit and commercial builds

How to Get a Ground-Up Construction Loan

If the deal pencils, we can structure it — whether it's your first build or your fiftieth.

1
Tell us about the project Land status, plans, and total project budget.
2
We structure the draw schedule Milestones tied to each phase of construction.
3
Close and break ground Funds release as each phase is completed and inspected.
4
Stabilize, sell, or refinance Exit into a sale or long-term financing like a DSCR loan.
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Common Questions

How do construction draws work?
Funds are released in stages as work is completed and verified by inspection. You only pay interest on what's been drawn, keeping carrying costs down early in the project.
Can the loan cover the land purchase?
Yes — land acquisition and construction costs can be financed together in a single loan.
Do I need building experience to qualify?
Experience helps your terms, but first-time builders with a solid plan, budget, and team can qualify.
What happens when construction is done?
You either sell the completed property or refinance into a long-term loan like a DSCR loan — we can set up the exit financing in-house.

Ready to Break Ground?

Get a quote on your next construction project today. Draw-based funding, up to 85% of total project costs, and a lender who understands the build.

Get a Quote Call (862) 293-2467