Ground-Up Construction
Ground-up construction financing for builders and investors who need a clear path from dirt to delivery.
- Use: New Build (Permit-Ready or Near Permit-Ready)
- Exit: Sale or Refi
- Eligible Properties: 1–10 Units, Mixed Use, Spec Homes
Land Equity Can Count as Cash
In many cases, existing equity in the land can be credited toward your required cash contribution — reducing out-of-pocket capital while strengthening leverage.
Built for Shovel-Ready Projects
This program is for entitled sites that are permit-ready or near permit-ready, not early-stage development land.
We can also consider deals before final plans are complete, as long as entitlements are done and the path to permits is clear.
Permits in Reach
Lenders expect entitlement progress and a credible path to pulling permits — no raw land or early development.
Shovel-Ready Scope
Plans, budget, and a clear build schedule help the file move quickly once permits are in hand.
Cost-Based Leverage
Ground-up terms often leverage a percentage of total project cost rather than a purchase price plus 100% of rehab like a typical fix & flip loan.
What Clients Say
“They helped us tighten the budget narrative and set expectations on draws from day one.”
Builder • Ground-up project
“Clear milestones, quick turnaround, and practical guidance when something changed mid-stream.”
Repeat borrower • Construction timeline
Ready to Review a Build?
Share the basics and we will outline likely leverage and the next steps.