Construction Financing
Build your vision with flexible construction loans for new builds, major renovations, and ground-up development
Construction Loan Options
Finance ground-up construction of residential or commercial properties. Funds disbursed in draws as construction progresses, ensuring capital efficiency.
- Custom homes and spec builds
- Multi-family developments
- Commercial buildings
Short-term financing for property acquisition and renovation. Ideal for investors looking to renovate and sell or refinance into permanent financing.
- Purchase + renovation in one loan
- 6-18 month terms
- Interest-only payments during construction
Finance land acquisition and development infrastructure (roads, utilities, grading) before vertical construction begins.
- Subdivision development
- Site work and utilities
- Lot takedown financing
Construction financing for building structures on prepared lots. Coordinate with horizontal development or standalone vertical projects.
- Residential and commercial buildings
- Phased draw schedules
- Builder relationships and oversight
How Construction Loans Work
Pre-Approval & Planning
Review construction plans, budget, and timeline. Establish loan amount based on land value, construction costs, and after-repair value (ARV).
Draw Schedule
Funds released in stages as construction milestones are completed (foundation, framing, mechanical, completion). Inspector verifies progress before each draw.
Interest-Only Payments
During construction, pay interest only on funds disbursed. This preserves cash flow while the property is being built.
Conversion or Exit
Upon completion, convert to permanent financing, sell the property, or refinance based on the completed value. Many construction loans offer one-time close options.
Current Market Opportunity
Housing Inventory Shortage
With existing home inventory at historic lows, new construction fills a critical market need. Builders and developers with access to capital can capitalize on strong demand.
Construction Permits Trending Up
Building permits indicate growing construction activity. Strategic financing positions you to move quickly when opportunities arise.
Value-Add Opportunities
Renovation and repositioning strategies create forced appreciation. Construction financing enables you to unlock equity through strategic improvements.
Ready to Build?
Schedule a consultation to discuss construction financing for your next project.