new construction loans
Ground-Up Construction Financing for Real Estate Investors & Developers
Build Lending helps builders, investors, and developers secure the right capital for new construction projects through our network of private lenders, debt funds, and capital partners.
$800M+
IN LOANS CLOSED
300+
PROJECTS FUNDED
200+
HAPPY CLIENTS
12+
YEARS OF EXPERIENCE
overview
Capital Built for
New Construction Projects
New construction projects require more than just a lender willing to fund the deal. They require the right loan structure, draw schedule, leverage, reserves, underwriting approach, and exit strategy.
Build Lending works with real estate investors, builders, and developers to help structure and source construction financing for residential and investment property projects. Whether you are building a single-family home, a small portfolio of townhomes, or a multi-unit investment property, we help match your project with capital that fits the deal.
new construction loans can be used for
Single-Family New Builds
Ground-up financing for spec homes, custom homes, and investment properties.
Townhome Projects
Capital solutions for attached residential development and small infill projects.
Small
Multifamily
Construction financing for duplexes, triplexes, fourplexes, and 5+ unit projects.
Infill
Development
Financing for projects in established residential or urban markets.
Build-to-Rent Projects
Capital for rental-focused construction strategies and long-term holds.
Construction Completion
Funding options for partially completed projects that need capital to finish.
Typical Construction Loan Structure
Loan Type
Ground-up construction / construction completion
Property Types
SFR, 2–4 units, townhomes, small multifamily, select commercial
Loan Amounts
$250,000 - $20,000,000+
Leverage
Up to 95% LTC, 80% LTV
Term
6-24 Months
Draws
Funds released as work is completed
Exit Strategy
Sale, refinance, rental hold, or permanent financing
Actual terms vary by lender, borrower qualifications, property type, project budget, market, and exit strategy.
What matters most to construction lenders
Project Feasibility
Lenders want to understand the land value, construction budget, completed value, timeline, and market demand.
Borrower Experience
Prior construction, development, investment, or project management experience can improve lender confidence.
Budget & Scope of Work
A detailed budget, plans, permits, and contractor information help lenders evaluate execution risk.
Equity & Liquidity
Most lenders want to see borrower equity in the deal and enough liquidity to handle cost overruns or delays.
Exit Strategy
A clear plan to sell, refinance, or hold the completed project is critical. Without it a project cannot be successful.
Market & Appraised Value
The property location, comparable sales, and completed value all influence loan structure.
Why Work With Build Lending
One Construction Project. Multiple Capital Options.
Many borrowers go directly to one lender and try to make their project fit that lender’s box. Build Lending takes a different approach.
We review the project, understand the capital need, identify the right loan structure, and match the opportunity with lenders and capital partners that are active in that specific type of construction deal.
- Save time by avoiding lenders that are not a fit
- Structure the request before submitting the deal
- Compare options across private lenders and debt funds
- Get guidance on leverage, terms, draws, and exit strategy
- Move forward with a clearer path to funding
Our construction loan process
Submit Your Project
Send us the property details, construction budget, timeline, plans, and capital need.
We Review the Deal
We evaluate the project structure, borrower profile, budget, leverage request, and exit plan.
We Match the Right Capital
We identify lenders and capital partners that fit the construction type, market, and requested terms.
You Compare Options
We help you review available terms so you can choose the best path forward.
Close and Build
Once approved, the loan moves through underwriting, closing, and construction draws.
frequently asked
Common Questions
Yes. Build Lending helps borrowers source financing for ground-up construction projects, including single-family homes, townhomes, small multifamily, and select investment property developments.
Not always, but permits can make the project easier to underwrite. Some lenders will review a project before permits are fully issued, while others require permits before closing or before the first construction draw.
In some cases, yes. The structure depends on land value, purchase price, construction budget, borrower equity, and the lender’s program.
Most construction loans use a draw process. Funds are released in stages as work is completed and verified.
Some lenders require prior construction or development experience. Others may consider less experienced borrowers if the project, contractor, equity, and exit strategy are strong.
Yes. Build Lending can help source capital for build-to-rent projects when the project has a clear rental strategy and refinance or long-term hold plan.
Need Capital for a New Construction Project?
Whether you are building one property or scaling a larger development pipeline, Build Lending can help you identify the right construction financing options for your project.