Ground-Up Construction Financing

Lot to certificate of occupancy. One lender.

New construction loans for single-family 1–4 unit builds and larger commercial multifamily projects — structured around your draw schedule, not a rigid bank template.

Residential 1–4 Units
Commercial 5+ Units
Term Sheet Same Day
Max Private $10M
C of OLot to Finish
1–4Residential Units
5+Commercial Multifamily
Same DayTerm Sheets
$10MMax Private Loan
Two Programs, One Lender

Sized to your build.

Non-owner occupied · 1–4 units

Ground-Up — Single Family

New construction loans for 1–4 unit residential builds, from lot acquisition through certificate of occupancy. Structured for individual investors and small builders.

  • Lot acquisition through C of O
  • Draws matched to build schedule
  • Private capital up to $10M
Non-owner occupied · 5+ units

Ground-Up — Commercial Multifamily

Larger-scale ground-up financing for commercial multifamily projects where speed and deal structure matter — including institutional structuring above $5M.

  • 5+ unit commercial multifamily
  • Institutional capital available above $5M
  • Full capital-stack structuring on request
See institutional options →
Process

From lot to draw schedule in three steps.

01

Send the plans and the lot

Site plan, budget, and timeline — whether you're breaking ground on a single lot or a multi-building commercial site.

02

Get your term sheet and draw schedule

Terms structured to your build timeline, with draws released as construction milestones are hit.

03

Break ground

Funding moves with your schedule, not a bank's quarterly review cycle.

FAQ

Ground-up construction questions.

Single-family covers 1–4 unit residential builds under our private capital ceiling. Commercial multifamily (5+ units) is sized larger and can route into institutional capital structuring above $5M.

Draws are structured against your build schedule and released as construction milestones are verified — not on a fixed calendar disconnected from actual progress.

Both — the program is structured to cover lot acquisition through certificate of occupancy, so you're not stitching together separate loans for land and build.

Mid-build takeovers and hard-to-place construction deals are something we specifically work with. Send the current status and budget and we'll tell you where it stands.

Ground-Up Construction Inquiry

Get your construction term sheet.

Tell us about the site and build — we'll route it to the right program.

Lot to C of O Draws matched to schedule Same-day term sheets
Call Now Get Term Sheet