Construction capital for plans that are ready to leave the ground.
Ground-up construction lending is built for eligible vertical construction projects with a qualified borrower and builder, documented budget, plans, permits, build-ready land, and a realistic exit. Program details vary significantly by lender and market.
Where this path can make sense.
✓ Build-to-sell or build-to-rent residential investment projects
✓ Infill lots or entitled land that meets lender requirements
✓ Experienced builders, developers, or investors with qualified project teams
What lenders will pressure-test.
- Land basis, plans, permits, utilities, and vertical-construction readiness
- Experience of borrower, guarantor, builder, and general contractor
- LTC, LTARV, budget, contingency, interest reserve, and liquidity
- Draw schedule, inspections, timeline, recourse, and permanent takeout
Program availability and terms vary by lender, state, borrower, property, business, and transaction. No scenario is approved from website information alone.
Fast answers before you apply.
Do I need builder experience?
Most programs require relevant ground-up, development, general-contractor, or substantial rehab experience. Requirements differ, and the project team may affect eligibility.
Can the loan finance the lot?
Some programs can include eligible lot acquisition or refinance. Advance rates and seasoning treatment vary, and raw or unentitled land is often outside program scope.
How are construction funds released?
Funds are generally advanced through draws after approved work, documentation, and inspection. Borrowers should plan cash flow around the lender’s draw timing.
What documents should be ready?
Expect plans, permits, detailed budget, schedule, entity documents, experience, liquidity, builder/GC information, insurance, land documents, and exit support.
Get a clear read on the next financing step.
Tell us what you are funding and where the deal stands. We’ll use the details to identify the most relevant path; every option remains subject to lender approval.