Ground-Up Construction
Staged financing for new residential construction and spec builds.
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Staged financing for new residential construction. We fund land acquisition (up to 60%) and 100% of vertical construction cost. Draw-based releases tied to milestone inspections — no surprises, no delays. Best for experienced builders developing single-family or small subdivision projects.
Built for the operator borrower.
Experienced builders developing single-family or small subdivision projects
Operators acquiring entitled land for spec construction
Developers scaling existing build platforms to new markets
What you can expect when we quote.
RATE
8.99 – 10.99%POINTS
2.0 – 3.0LEVERAGE
90% LTC · 70% ARVTERM
12 – 18 monthsA short list of requirements.
LLC, LP, or Corp (no personal-name borrowers)
Licensed GC in property state with comparable-project history
FICO 660 mid score floor
Entitled / shovel-ready land at closing
Adequate liquidity for interest reserves and contingency
Questions we hear most.
Draws release in tranches tied to milestone inspections — foundation, framing, mechanical rough-in, drywall, and final. Each draw clears in 72 hours after inspection passes.
Yes — we fund up to 60% of the land acquisition cost plus 100% of vertical construction. The land tranche releases at closing; vertical tranches release on inspection.
Single-family and small subdivision projects (typically 1–10 lots). We focus on residential ground-up construction; spec builds welcome.
Yes — the GC must be licensed in the property state with verifiable experience on comparable-scale projects. Owner-builder structures considered case-by-case.