New build financing for developers at every level.
Up to 90% LTC on purchase or refinance. No prior experience required. Permits can be pending. Open to rural construction. We fund the lot, the vertical, and everything in between.
- Up to 90% LTC
- No prior experience required
- Permits can be pending
- Lot + vertical financing
The details.
Everything you need to know about how this loan is structured before you submit a deal.
On purchase or refinance. Lot and vertical financing included.
Structured around your construction timeline.
Open to first-time developers. Track record helps but is not required.
Draws structured and released as construction milestones are reached.
Ground-up financing that doesn't require a résumé.
Most construction lenders want an experienced developer with a long track record. We fund developers at every level, from the first-timer building a single spec home to the experienced builder running multiple projects. The deal matters more than the résumé.
Up to 90% LTC
Finance the full acquisition and construction cost up to 90% of total project cost. Lot and vertical financing combined into one loan.
No prior experience required
We do not require a minimum number of prior builds. First-time developers are welcome. A strong deal and a clear plan matter more than your track record.
Permits can be pending
We don't require permits to be in hand at closing. If permits are in process, we can close and fund as the project gets underway.
Open to rural construction
Many lenders won't go rural. We do. If the deal makes sense, the location isn't disqualifying.
Draw schedule included
Construction draws are structured around your milestones and released as work is completed and inspected, keeping the project funded and moving.
Bridge to DSCR available
Building to hold? Once the project is complete and stabilized, we can refinance directly into DSCR long-term financing. One lender, full cycle.
What we look at.
We underwrite the deal, not your life story. No tax returns. No income verification. Here is what matters.
LTC: Up to 90% of total project cost (land + construction).
Experience: No minimum required. Strong deal and clear plan are the primary qualifiers.
Permits: Can be pending at closing.
Location: Rural construction accepted.
Draw structure: Milestone-based draws. Inspection required for each draw release.
Exit strategy: Sale or DSCR refinance. Specify at application.
For developers who have a plan and need a lender who will fund it.
Ground-up construction financing is for builders, not just experienced developers. If the project makes sense, we want to talk.
- First-time developers building a single spec home or ADU
- Experienced builders running multiple ground-up projects who need a lender that can keep up
- Investors building to hold who need bridge financing before stabilizing into DSCR
- Developers in rural or secondary markets who can't get conventional construction financing
- Builders whose permits are still in process and need a lender who can close before permits are in hand
Three steps. No surprises.
A dedicated team on every file from first call to closing table.
Apply
Get approved
Close
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Apply
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Get approved
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
Close
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Common questions.
Do I need construction experience to qualify?
No. We fund developers at every level, including first-time builders. A strong deal and a clear plan matter more than your track record.
What is the maximum LTC on a ground-up construction loan?
Up to 90% of total project cost, combining lot and vertical financing into one loan, on a purchase or refinance.
Do permits need to be in hand to close?
No. Permits can be pending at closing. If they're in process, we can close and fund as the project gets underway.
Do you lend on rural construction?
Yes. Many lenders won't go rural, but we will. If the deal makes sense, the location isn't disqualifying.
Ready to break ground?
Tell us about the project. Permits can be pending. Experience not required. We'll give you a preliminary read the same day.