Business-purpose real estate financing
Ground-Up Construction Loans for Builders and Developers
Present the land, proposed development, construction budget, and completion strategy as one coordinated project. Residential construction financing is available up to $5 million; larger transactions are structured through the commercial real estate and development platform.
Where this program may fit
- Residential ground-up development
- Construction projects with a defined budget and delivery plan
- Commercial construction and development above $5 million
Program highlights
- Loan Amount
- Up to $5M (residential)
- Term
- 12–24 months
- LTC
- Up to 95%
- AR/LTV
- Up to 75%
- Draw Schedule
- Virtual — typically 24–48 hours
Program availability and leverage vary by scenario. Published parameters are subject to underwriting and final approval.
Prepare your financing request
Start with the information below. The team may request additional documents based on the property, sponsor, and capital source.
- Land ownership or acquisition details
- Architectural plans and permit status
- Detailed construction budget and proposed draw schedule
- Developer and contractor experience
- Liquidity information and sale, lease-up, or refinance strategy
How are larger construction projects classified?
Projects above $5 million are structured through the commercial real estate and development platform. Qualified commercial projects may exceed $100 million; each request remains subject to underwriting and final approval.
Related financing insight
What Developers Should Include in a Ground-Up Construction PackageDiscuss your ground-up construction opportunity
Submit your property, financing request, and business plan for a preliminary review.
This is not a commitment to lend. All financing is subject to underwriting, due diligence, documentation, capital availability, and final approval.