End-to-end financing for developers building residential properties from scratch.
A ground-up construction loan provides financing for developers building new residential properties from the ground up. These loans cover both land acquisition and construction costs, with funds disbursed in draws as construction milestones are met.
These loans are designed for developers and investors who want to build new properties, whether for resale or to hold as rental properties. They provide the capital needed from land purchase through completion, with interest-only payments during the construction phase and flexible exit strategies.
Terms sourced from multiple private lenders. Final rates and terms are determined by the lender.
9.84% - 12.00%
Starting at 9.84%
$150K - $5M
SFR: $150K-$2M, Multifamily: $500K-$5M
Up to 90%
Land + construction costs
Up to 75% ARV
Of completed value
9-18 months
12 months standard
Minimum 650
Soft credit pull
2.0 - 3.5 points
Varies by project
Up to 100%
Of construction budget
See how a ground-up construction loan works with a real-world example
Key advantages that make construction loans ideal for new builds
We work with various property types for new construction
Fast and efficient process from prequalification to closing
Get a quick rate estimate or check if your deal is finance-ready.