Construction Loans
Infill, Spec Build & Ground-Up Construction Loans
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 s a Construction Loan?
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.
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:
- 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.
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.
What is the typical term length?
Most loans range from 6 to 18 months, depending on the project timeline.
What are the 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.
Share an example scenario about using this loan?
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.
Explore other programs
Cross-Collateral / Bridge Loans
Uses one or more existing properties as collateral for new financing.
DSCR Investor Rental Loans
Qualification based on property cash flow instead of personal income.
Rental Portfolio / Blanket Loans
Consolidates multiple properties into one loan, one monthly payment, and one customizable structure.
