Ground-up construction loans for serious builders.
Finance land acquisition and vertical construction for non-owner-occupied investment projects with a team that evaluates the site, budget, plans, experience and exit strategy together.
Construction finance requires more than a property address.
Site and plans
Location, zoning, entitlements, plans, permits, utilities and the intended use of the completed asset.
Budget and team
A detailed cost breakdown, contractor information, contingency, schedule and relevant development experience.
Value and exit
Land basis, as-completed value, local demand and a realistic sale or refinance strategy.
Flexible capital for Florida development opportunities.
Ground-up loans may support acquisition and construction when the project, sponsorship and market align with underwriting.
- Single-family homes built for sale or rent
- Townhome and small multifamily projects
- Select mixed-use and commercial construction
- Infill development and replacement projects
- Projects requiring land and vertical-cost financing
Approved construction funds are typically controlled and released through a draw process based on verified progress.
A complete file receives a faster, clearer review.
Property package
Address, contract or ownership details, survey, plans, permits and zoning information.
Construction package
Line-item budget, schedule, contractor scope, bids and contingency assumptions.
Sponsor package
Experience, liquidity, completed projects and the proposed exit for this transaction.
Construction loan questions.
Can the loan include the land?
It may. The structure depends on the land basis, current value, project budget, sponsor contribution and the full underwriting analysis.
How are construction funds released?
Approved funds are generally advanced through draws after progress is documented and reviewed under the loan’s construction procedures.
Are permits required before closing?
Requirements vary by project. Provide the current entitlement and permit status at submission so the team can determine what is needed.
All loans are subject to underwriting, valuation, title review, legal documentation and final approval. Construction feasibility, draw procedures, pricing and terms vary by transaction.