Build From the Ground Up
Fund new construction projects from lot acquisition to certificate of occupancy. Draw-based financing tied to milestones — so you only pay interest on what you've drawn.
Program Overview
Our Ground-Up Construction Loan is designed for residential and small commercial builders who need flexible, draw-based financing. Funds are released in stages as construction milestones are reached and verified — ensuring capital flows when and where it's needed most.
✅ What's Covered
- Lot acquisition (combined with construction)
- Site preparation and foundation
- Framing, roofing, and exterior
- Mechanical, electrical, and plumbing (MEP)
- Interior finish work
- Soft costs (permits, architecture, engineering)
- Contingency reserve (up to 10%)
📋 Typical Qualifications
- Entity borrower (LLC, Corp) preferred
- 640+ credit score
- Approved building plans & permits
- Fixed-price GC contract
- 15%+ borrower equity / skin-in-the-game
- 1+ completed new construction project
- Verified construction budget & draw schedule
How the Draw Process Works
Construction draws are released as each phase of your build is completed and inspected.
Initial Draw
Funds released at closing for lot acquisition and initial mobilization costs.
Foundation Draw
Draw released after foundation complete and inspector sign-off.
Framing / MEP Draw
Draw released after frame, roof, and rough MEP work is verified.
Completion Draw
Final draw on certificate of occupancy or substantial completion.
Ready to Break Ground?
Submit your project details and our construction lending team will review your scope, budget, and plans within 24 hours.