Ground‑Up Construction Loans

Build New & Create Value

Ground‑up construction loans provide the capital you need to turn vacant land or underutilized sites into income‑producing assets. Whether you’re developing multi‑family housing, mixed‑use communities, industrial facilities or office space, our program finances both hard costs and soft costs so you can bring your vision to life.

We understand that every development project is unique. Our team collaborates with you to structure a loan that aligns with your proforma, timeline and exit strategy. With staged draws and competitive rates, you can focus on execution while we provide the resources to see your project through completion.

Program Details

Maximum ARV: Up to 65% of after‑repair value
Maximum LTC: Up to 80% of total project cost
Construction Funding: 100% of approved build budget, funded via draws as work progresses
Credit Requirements: Minimum FICO 650
Loan Amounts: $250k–$100M+
Experience: Prior construction or rehab experience highly preferred
Occupancy: Owner‑occupied residential developments, investment properties, commercial owner‑user
Liquidity: Minimum 10% of project budget plus six months of interest reserves
Builder Approval: General contractor must be approved by lender
Rates: Starting at Prime + 2%; rates are project‑specific and depend on sponsor experience

Bring Your Development Vision to Life

If you’re planning a ground‑up or major construction project, we can help you secure the financing you need. Get in touch to discuss your plans and receive a customized loan proposal.

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