Ground-Up Construction Loans
From raw land to certificate of occupancy
Construction financing for builders and investors developing spec homes, infill lots, and small multifamily projects.
Apply Now12-24 mo
Construction terms
Land + build
Combined financing available
Draw based
Funded on inspected progress
How it works
Construction lenders fund against a budget and a schedule. Approval hinges on your plans, permits, builder experience, and the completed value the project will support.
We package the file the way construction underwriters read it — hard-cost breakdown, soft costs, contingency, timeline, and comps — and we build a draw schedule that matches how you actually pay subs.
Traci's background as a Class A General Contractor means your budget gets reviewed by someone who has run jobs, not just funded them.
Who it's for
- Builders developing spec or pre-sold homes
- Investors with infill lots ready to permit
- Small multifamily and townhome developments
- Owners holding land who need construction takeout
- Build-to-rent projects exiting into DSCR financing
Ready to fund your next deal?
Send us the basics and we'll come back with real options — usually within one business day.
Apply Now