Finance Your Ground-Up Build
Construction loans for residential and commercial developers. Sized to your project cost (Loan-to-Cost), with interest-only draws during construction and flexible 12–24 month terms. Leverage varies by program, subject to qualification.
Get Construction Financing Speak with a SpecialistConstruction Loan Program Details
Financing for ground-up residential and commercial construction projects in Arizona, California, Nevada, Washington, and Colorado.
Ground-Up Construction
Finance new residential and commercial construction from lot purchase through certificate of occupancy. Loans are commonly sized as a share of total project cost (Loan-to-Cost), subject to qualification.
Interest-Only Draws
Pay interest only on funds drawn during construction. Flexible draw schedule aligned with construction milestones — no unnecessary carrying costs.
12–24 Month Terms
Construction loan terms of 12 to 24 months with extension options. Permanent financing (DSCR or conventional) available upon completion.
Experienced & First-Time Builders
Programs available for experienced developers and first-time builders. Mentorship and oversight requirements may apply for first-time projects.
Residential & Commercial
Finance single-family, multifamily, mixed-use, and light commercial construction projects. Spec homes and custom builds both eligible.
Streamlined Underwriting
Qualification based on project feasibility, ARV, and borrower experience — not just personal income. Fast approvals for qualified projects.
Construction Loan FAQ
What does a ground-up construction loan cover and how is it sized?
A ground-up construction loan is short-term financing for building a new structure, with funds released in milestone draws as construction progresses and is inspected. These loans are commonly sized using Loan-to-Cost (LTC), which measures the loan against the total project cost, and may also be constrained by the projected completed value. Exact leverage, term, and draw structure vary by lender and program and are subject to qualification and underwriting approval.
How do construction draws work with permitting and inspections, and what if the build runs long?
Construction loans release funds in draws tied to completed, inspected milestones, so the draw schedule typically aligns with permitting and inspection checkpoints during the build. Because these loans are short-term, finishing within the loan term matters, and if a project runs long, options like an extension or a refinance depend on the lender and your situation. We'll help you plan a realistic timeline and a contingency for delays, including how local permitting and inspections factor in, before you commit.
Do I need prior construction experience to get a ground-up construction loan?
Prior experience can help, but it isn't always required — lenders look at the full picture, including your project plan, your general contractor, reserves, and your exit strategy. First-time builders may qualify with a strong team and solid plan, while experienced builders may access different terms. Because requirements vary by lender, bring us your project and we'll match it to a program that fits your experience level, subject to underwriting.
How long is a ground-up construction loan term, and what is my exit?
Construction loans are short-term by design, giving you time to complete the build before you exit; exact term lengths vary by lender and program. The typical exit is selling the finished property or refinancing into longer-term financing such as a DSCR rental loan if you intend to hold it. Planning the takeout or sale from the start is important, and we'll help you line up both the construction loan and the exit financing.