Ground-up construction loans
New construction requires a strong vision and the right financial backing. Our loans are built to keep your project moving — without the delays of traditional bank financing.
Build smarter, on your terms.
Traditional bank loans can be slow and restrictive, causing unnecessary delays. Our new construction loans are tailored to the needs of developers and investors — whether you're purchasing land to build or refinancing an ongoing development, our capital keeps your project moving.
New construction purchase loans
Ideal for developers and builders acquiring land or teardown properties to kickstart a new project. Our purchase loans offer fast, flexible capital so you can secure the lot and begin development without delays.
Use-case scenarios
- Buying raw land or infill lots for residential or mixed-use development
- Acquiring a property with plans to demolish and rebuild (teardown)
- Purchasing entitled land ready for vertical construction
Loan highlights
- Up to 85% Loan-to-Cost (LTC) financing
- Funds available for both land acquisition and vertical construction
- Interest-only payments during the build period
- No income verification or tax returns required
- Close in as little as 7–10 days
- Nationwide availability
Take control of your development timeline and start building with confidence — without the red tape of traditional bank loans.
New construction refinance loans
Stalled by unexpected costs, shifting timelines, or unfavorable financing? Our refinance loans help developers maintain momentum, optimize cash flow mid-build, and transition into the final stages of completion or long-term ownership.
Use-case scenarios
- Overcome setbacks: Funding when construction delays or budget overruns threaten completion.
- Improve your bottom line: Replace an original lender's terms that no longer work.
- Access built-up equity: Cash out value created during early construction phases.
- Simplify your finances: Consolidate multiple short-term debts into one clear solution.
Loan highlights
- Refinance up to 70–75% of your current project value
- Capital for both remaining construction needs and short-term holding costs
- No prepayment penalties — sell, lease, or secure long-term financing freely
- Fast underwriting and approvals, even for projects already well underway
- Roll interest into the loan so your cash stays available for operations
- Option to transition to rental or long-term financing if you plan to hold
We craft a customized refinancing solution that keeps your project on track, preserves your liquidity, and protects your maximum upside.
What is hard-money new construction financing?
Hard-money new construction financing is a powerful, short-term, asset-based funding solution designed to keep your construction projects moving forward quickly and efficiently.
Unlike the lengthy, document-heavy process of traditional bank loans, hard money prioritizes speed and flexibility. Our focus is on the collateral — the value of the property being developed — rather than being strictly dependent on your credit history. That means faster approvals and funding, helping you meet critical deadlines.
Why choose hard-money construction loans.
Unlock speed and opportunity
Secure funding for projects and areas where conventional lending isn't available.
Quick access to funds
A streamlined approval process keeps your construction momentum high.
Asset-based lending
The value of the property drives approval — faster and more flexible.
Any-stage involvement
From pre-development and design to active construction and post-completion.
Short-term alignment
Terms that match the temporary nature of construction, then transition.
Competitive rates
Construction loans sourced at lower rates, with a wider range of collateral accepted.
Four steps from request to draw.
Application
Submit your streamlined loan request outlining your project details.
Property assessment
Our team evaluates the property and your construction plans.
Approval
Receive a fast approval decision, often within 24 hours.
Disbursement
Capital is released quickly, aligned with your draw schedule.
Frequently asked.
You can finance both residential and commercial new construction projects. Our flexible hard-money loans support a wide range of property development.
No. We offer straightforward financing with no prepayment penalties and no junk fees, giving you maximum flexibility to sell or refinance whenever your project is ready.
Our program is designed for professional builders. To qualify, you'll typically need to have successfully completed a minimum of three ground-up construction projects.
Getting started is fast — begin immediately using our online full application form.
Ready to build your next project?
Explore how our financing can be the cornerstone of your next groundbreaking endeavor.