Ground-up build financing with phased draws aligned to your construction timeline.
A new construction loan provides the capital to build a property from the ground up. Unlike a traditional mortgage, construction loans are disbursed in stages—called draws—as building milestones are reached. This protects the lender while ensuring you have the capital to keep your project moving forward.
Private construction loans offer significant advantages over bank construction financing: faster approvals, fewer bureaucratic hurdles, and the flexibility to work with experienced builders who may not fit the rigid requirements of institutional lenders.
Builders constructing single-family homes for sale. Build, finish, sell, and repeat—with capital that keeps pace.
Developers building on vacant lots in established neighborhoods, including townhomes and small subdivisions.
Investors who purchase obsolete structures, demolish them, and build new construction on the same lot.
Developers building small apartment buildings, mixed-use properties, or ADUs who need flexible project-based financing.
Construction loan terms vary widely depending on the project scope, location, and builder experience. These ranges reflect what's common across our lending network.
Submit your construction plans, detailed budget, and project timeline. The lender reviews feasibility and approves the draw schedule before closing.
As each phase is completed—foundation, framing, mechanicals, finishes—you request a draw. An inspector verifies the work and funds are released.
Once the build is complete, you sell the property, refinance into permanent financing, or begin leasing—depending on your strategy.
Our network includes lenders who specialize in ground-up construction and understand the unique timeline and draw requirements of new builds.
From single-lot spec homes to multi-unit developments, we find financing that fits your specific project scope and exit strategy.
We manage the lender matching and underwriting process, keeping you informed at every step from application to first draw.
Submit your project details and we'll connect you with construction lenders from our network.