A streamlined way to build single-family and multifamily projects on shovel ready or entitled land. 

Residential Ground Up Construction Loans

  • Property Types: Single Family Residential, 2-4 Units, Condominiums, Townhomes, Multi-Family (Up to 8 Units)
  • Rates Starting at: 7.99%
  • LTC: Up to 85%
  • Min FICO: 630
  • Loan Amount: $300,000 to $5,000,000
  • Term Length: 12 – 18 Months (No Prepayment Penalty)
  • Experienced Developers Only (3+ Projects on Track Record)
  • Lien Position:First Trust Deeds Only
  • Amortization: Interest-only no prepay
  • Lending Areas: Nationwide, in metropolitan and coastal areas, no rural

Commercial Ground Up Construction Loans

  • Property Types: Multifamily, Office, Mixed Use, Retail, Light Industrial
  • Rates Starting at: 7.99%
  • LTC: Up to 85% LTC
  • Min FICO: 630
  • Term Length: 12 to 18 Months (extensions available)
  • Experienced Developers Only (3+ Projects on Track Record)
  • Amortization: Interest-only – no Prepay

Steps To Close

Application day

Submit Application

We will review your application and give you a conditional loan pre-approval within 24-48 hours

When you accept the terms


Once you accept the terms, if you have a recent appraisal (within the last 30 days) we can use that for underwriting, otherwise we will order a new appraisal

5-7 days


Once we have your appraisal we submit to loan docs and will take about 5 – 7 days to close.

Frequently Asked Questions

1. What are the benefits of a private construction loan?
  1. Experienced builders can move fast on a new project to close on the land and/or go vertical without waiting on bank financing. 
  2. Private Constructions Loans have more leverage thank bank loans. We can lend up to 85% of the total project cost for experienced builders. 
  3. We don’t check DTI or taxes, all that matters is that you have your own equity in the project and experience. 
  4. We can fund construction completion loans for projects that have been stalled or are 50% completed and need more cash to finish. 
2. How are the funds disbursed?

The construction loan will be held in a fund control and disbursed in draws based on phases of the project.  

3. Can you lend on the land purchase and the construction?

Yes we can lend up to 50% of the land purchase if it is undeveloped without permits and up to 65% of the land purchase if it is shovel ready with permits and plans approved. 

4. How fast can you fund construction loans?

In as little as 21 days! Our private construction loans require very little documentation because the underwriting is based on the overall risk of the project and borrower experience. 

5. What do I need to qualify?

Just equity and experience! The land must be shovel-ready, however, we can close construction loans with permits trailing the closing. 

Request a Free Consultation

One of our brokers will go over your details for free!