new construction loans
Ground-Up Construction Financing for Real Estate Investors & Developers
$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 funds ground-up construction directly — from land/acquisition through the final draw, underwritten and serviced in-house.
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 borrower qualifications, property type, project budget, market, and exit strategy.
What matters most to construction lenders
Project Feasibility
We 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 us evaluate execution risk.
Equity & Liquidity
We 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.
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. We 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, and borrower equity.
We use a draw process. Funds are released in stages as work is completed and verified.
Yes. Build Lending can fund 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.