Direct Lending

Ground-Up Construction Loans

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Lending across many states and DC. Terms vary by market and borrower profile.

Overview

Created for builders and investors developing new residential properties (1–4 units). Our ground-up programs support acquisition and construction, with funding structured around your project’s milestones.

High Leverage

Cover both land and construction costs.

Draw Flexibility

Funds released as milestones are met.

Certainty of Execution

Experienced underwriting for ground-up projects.

National Reach

Funding solutions across 44 states + DC.

Key Loan Terms

Loan Size

$50,000 to $3,000,000

Term

12 to 24 months

Leverage

Up to 85% of total project cost (including land + construction)

Speed

Flexible draw schedules aligned with progress

Terms are examples. Final terms depend on experience, credit, and project metrics.

Streamline your strategy

Submit a project online, review terms, then move to closing with a clear draw schedule. Transparency at every step saves time and reduces risk.

Submit your project scope, budget, and permits.

Receive customized terms based on your timeline.

Draw funds as construction progresses.

Complete and stabilize your new property.

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Good fit for

Cosmetic rehabs

Light updates with quick turns.

Full renovations

Larger scope with structured draws.

Acquisition plus rehab

Purchase and improvements in one program.

Frequently asked questions

Typical closings occur in about two weeks after a complete file. Timelines vary by market, title, and appraisal.

Property details, scope and budget, ID, entity docs, and recent projects if applicable.

Coverage includes many states. Availability varies by program.