Build From the
Ground Up
Ground-up construction and new development financing with flexible draw schedules, competitive rates, and a team that understands the build process.
How Construction Financing Works
From land acquisition to final draw — we fund each phase of your build.
Pre-Construction
Submit plans, budget, and timeline. We review and approve your construction scope, issue a commitment letter, and fund land acquisition if needed.
Foundation & Framing
First draw funds foundation, framing, and rough-in work. Inspector verifies completion before each draw release.
Build-Out & Systems
Subsequent draws fund MEP (mechanical, electrical, plumbing), insulation, drywall, and interior systems.
Completion & Perm
Final draw at completion. Option to convert to permanent financing (DSCR or conventional) upon certificate of occupancy.
Construction Program Features
Ground-Up New Build
Single-family, multi-family, townhomes, and mixed-use projects from lot to completion.
Spec & Pre-Sold
Financing for speculative builds and pre-sold construction with flexible terms.
Land + Construction
Single-close loans covering land acquisition and construction in one package.
Flexible Draw Schedule
Customized draw schedules aligned to your build timeline and milestones.
Interest-Only During Build
Pay only interest on disbursed funds during the construction period.
Perm Conversion Option
Convert to a permanent DSCR or conventional loan at completion — no second closing.
Manage Your Build With Elio
Track contractors, manage draw requests, monitor progress with LiDAR scanning, and keep your construction project on budget — all connected to your financing.
Construction Loan FAQ
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Also investing in existing properties? See our rental and renovation programs.