Infill, Spec Build & Ground-Up Construction Loans

Ground-up and spec project funding built for speed and flexibility.

Who Its Best For?

Builders and small developers completing infill, spec home, or ground-up construction projects.
Investors acquiring land and building for resale or long-term hold.
Developers needing financing for horizontal and vertical phases.
Clients who want one loan to cover land, site work, and construction.

What It Does

These loans finance the entire development lifecycle, including land acquisition, site preparation, horizontal improvements, vertical construction, and even carrying costs. Instead of juggling multiple loans, we structure one facility with clear milestones, draw schedules, and flexible terms to match the project.Fix & Flip and Fix & Hold loans provide short-term financing to purchase, improve, and reposition investment properties. They allow investors to act quickly on distressed or undervalued assets, complete renovations, and either sell for profit or refinance into a longer-term loan for cash flow.

These loans are asset-based and focus on the property’s potential, not just the borrower’s financials. They often fund a large percentage of the purchase price and renovation budget, helping investors preserve capital for future deals.

Why It Matters

Traditional banks are slow, rigid, and often unwilling to finance small-scale projects. Our construction financing focuses on the project’s potential and your execution plan. With flexible structures and quick closings, you can move faster, preserve capital, and scale your development pipeline with confidence. The benefits include:

One solution for land, site work, and construction.
Faster closings so you can start building quickly.
Interest reserves and repayment terms tailored to your project.
Scalability for repeat projects and long-term growth.

Key Benefits

Loan amounts from $100,000 to $50 million.
Finance horizontal and vertical phases under one facility.
Flexible draw schedules and customized terms.
Funding available for spec, infill, and build-to-rent projects.
Nationwide availability.

Example Scenario

A builder identified three infill lots in a growing Texas suburb but did not want to use their own cash for land and site costs. We structured a construction loan covering land acquisition, horizontal work, and vertical construction. The project was divided into milestone-based draws with built-in interest reserves. The homes sold before the final draw, generating strong profits and enabling the builder to move directly into their next project.

FAQ

Can I finance both land and construction?

Yes. We provide one loan for the entire project.

Do I need permits before applying?

Not always. Permits must be in place before the first draw, but financing can be secured earlier.

Can I include soft costs?

Yes. We can include interest reserves, permits, and other soft costs in the loan.

What if the project takes longer than expected?

We can often extend the term or restructure the exit.

Can this be used for build-to-rent?

Yes. We tailor the loan to match your exit plan.