GROUND-UP CONSTRUCTION LOANS
Ground-Up
Product Overview:
Financing for vertical new construction on ready-to-build lots. Ideal for builders and investors constructing 1–4 unit projects.
Example Scenario:
Total Project Cost: $500,000 | Loan: $450,000 (90% LTC)
Interest is paid only on drawn funds throughout construction.
Advantages:
- Interest-only during construction
- Funds released via construction draws
- Flexible terms for single or multiple builds
Terms & Availability:
We structure ground-up financing across multiple lenders based on your experience, liquidity, and project strength.
- Loan Amount: $250K – $25M+
Large-Scale & Institutional Projects: $25M – $850M - LTC: Typically 80%–90% of cost | LTCV: Up to 70%–75%
- Term: 12–24 months (extensions available)
- FICO: 620+ (higher scores for best terms)
- Liquidity: Typically 10%–20% of total project cost
- Experience: Preferred — First-time builders considered with strong GC