Construction Loans
Ground-up construction and build-to-rent financing for builders and developers breaking ground on new residential or small commercial projects. Funds release in draws through each phase of construction.
What's included
- Finance land acquisition, vertical construction, and soft costs
- Up to 85% of total project cost
- Phase-based draw schedule with inspections
- Build-to-rent and spec home programs available
- Interest-only during construction
- Takeout to permanent financing on completion
Ideal for
- Builders doing ground-up residential or build-to-rent
- Developers on small multifamily or mixed-use projects
- Investors needing acquisition + construction in one loan
The Construction Loans process
A streamlined path from request to funding — built for speed and clarity.
Submit Plans
Share the pro forma, plans, budget, and timeline.
Feasibility
We review costs, comps, and builder qualifications.
Commit
Receive a loan commitment with draw schedule.
Build & Draw
Funds release per phase; transition to perm on completion.
Common questions
Do you finance the land purchase too?
Yes — we can combine land acquisition and vertical construction into a single loan up to 85% of total project cost.
What happens after construction?
We offer takeout options to permanent rental or DSCR financing so you can hold or sell seamlessly.
Do I need a licensed GC?
For most projects yes; experienced owner-builders may qualify with a demonstrated track record.