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.

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12-24 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
Start your application

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