Private Lending Nationwide for Real Estate Investors

New
Construction
Loans.

Financing for builders and developers breaking ground on new residential projects. Interest-only payments, construction draws released as milestones are completed, and no prepayment penalty when you're done.

Get a Quote →How It Works
🏗️ Ground-Up Construction
💰 $75K–$2M Loan Amounts
📈 9%–11% Rate · Interest Only
🏛️ Up to 90% LTC
✅ No Prepayment Penalty
Program Terms

Built for
Builders.

Ground-up construction loans for residential builders and developers. Draws released as construction milestones are completed — so capital keeps pace with your project.

Loan Amounts$75,000 – $2,000,000
Interest Rate9%–11%
Payment TypeInterest Only
Points (Origination)Starting at 2%
LTC (Loan-to-Cost)Up to 90%
LTV (Loan-to-Value)Up to 70%
Loan Term12–24 Months (Extensions Available)
Min. Credit Score660 FICO
GeographyNationwide (Except SD, ND)
Prepayment PenaltyNONE
Max Loan
$2M
Min $75,000
Rate
9%–11%
Interest only
Max LTC
90%
Of total cost
Term
12–24mo
Extensions available
Min FICO
660
Credit required
Prepay Penalty
None
Exit anytime
Draw Schedule
Construction draws are released after you complete different stages of the build — verified by our team. This keeps capital moving to your project as progress is made.
How It Works

From Application
to Certificate of Occupancy.

The same proven 6-step process as our rehab loans — built for the longer timeline and milestone-based nature of ground-up construction.

What We Underwrite:
  • The land / lot value
  • Your construction budget and scope
  • Completed value (ARV / appraised value after build)
  • Your experience as a builder or developer
  • Credit (660 minimum FICO)
1
Apply
Submit our application or request a quote. Include your lot address, project scope, construction budget, and expected completed value. Our team will begin reviewing right away.
2
Process
Once we confirm it's a good fit, we'll request additional information to begin underwriting — plans, permits if available, builder credentials, and comparable sales.
3
Underwrite
We confirm the deal economics — lot value, construction costs, and projected completed value — and review your scope of work to align our estimates with yours.
4
Fund
Tell us your start date and we'll have loan documents ready. Initial advance covers land acquisition and early-stage costs. You break ground.
5
Construction Draws
Interest-only monthly payments on the drawn balance. As you hit construction milestones, we release additional draw funds — keeping pace with your project.
6
Repay
Once the project is complete and you sell or refinance into permanent financing, we issue a payoff to your title company. No prepayment penalty — you keep all the upside.
FAQ

Construction Loan
Questions Answered.

What types of projects qualify? +
Our new construction loans are designed for ground-up residential construction — single-family homes and small multifamily (2–4 units) being built from scratch. The property must be a non-owner-occupied investment project. Contact us to discuss larger or commercial projects.
Do I need to own the land already? +
Not necessarily — we can structure the loan to include land acquisition as part of the project cost. If you already own the lot free and clear, that equity counts toward your LTV. Either way, let us know your situation and we'll structure accordingly.
How are construction draws handled? +
Draws are released as you complete different stages of construction and we verify the work. You pay interest only on the amount drawn — not on the full loan commitment. This keeps your carrying costs lower while the project is being built.
What states do you lend in? +
We lend nationwide except for South Dakota (SD) and North Dakota (ND). New construction financing is available across Tennessee and the broader Southeast, as well as most other states.
Is there a minimum credit score? +
Yes — we require a 660 minimum FICO score for new construction loans. Builder experience and project economics are also heavily weighted in our underwriting decision.
Can I close in an LLC or entity? +
Yes. We work with LLCs, corporations, and other entities regularly. A personal guarantee from the principal member is typically required. Building in an entity is smart for liability protection and we have no issues with it.
Is there a prepayment penalty? +
No. There is no prepayment penalty on our new construction loans. When your project is complete and you're ready to sell or refinance, you pay off the loan and you're done — no exit fees.
Apply

Ready to Break
Ground?

Get a quote on your construction project. The more detail you can share about your scope and budget, the faster we can get you a decision.

📞 Let's Talk Through Your Project
Call 615-979-6260 — construction projects have a lot of moving parts and sometimes a quick call is the fastest way to determine if we're a fit.
Rehab Loans → DSCR Loans →
✅
Request Submitted!
We'll review your project and reach out shortly. Call 615-979-6260 to talk through the details.
Get a Quote
New construction loan inquiry

Ready to fund your next deal?
📞 615-979-6260Apply Now →