Foundation Complete
First draw released once foundation is poured and inspected. Includes site prep, excavation, and concrete work.
Financing for builders, developers, and investors. Funding with an asset based focus, reliable draws, no tax returns, no W-2’s, fast approvals & closing. Relationship lending that frees up more of your capital to grow your business!
Min. FICO
Loan Amount
Max LTC
ARV
Funds are disbursed based on construction milestones. Here’s a typical draw schedule.
First draw released once foundation is poured and inspected. Includes site prep, excavation, and concrete work.
Second draw after framing is up and passed inspection. Includes roof sheathing and exterior sheathing.
Third draw after rough-in of HVAC, electrical, and plumbing. All systems inspected and approved.
Fourth draw after drywall, interior trim, cabinets, and flooring are installed.
Full-cycle financing from land acquisition through construction
completion.
Up to 70% of land value as initial advance. Finance your lot purchase as part of the construction loan.
Excavation, grading, utility connections, driveways, and all site preparation costs included.
Building permits, architectural plans, engineering, and other pre-construction soft costs.
Foundation, framing, roofing, and all structural components of the build.
Foundation, framing, roofing, and all structural components of the build.
Interior finishes, fixtures, appliances, landscaping, and final touches.
We’re built for builders who need reliability, speed, and expert
support.
Construction management, draw funding, and servicing all under one roof. No third-party delays.
Request a draw, get inspected quickly, and receive funds to keep your project moving.
Sell or refinance upon completion with zero prepayment penalties.
High leverage financing so you can take on more projects with less cash out of pocket.
From single-family spec homes to small multifamily developments.
Build on spec in hot markets. Single-family homes built to sell upon completion.
Pre-sold custom homes with contracts in place. Build to buyer specifications.
Small townhome projects with 2-8 attached units.
2-4 unit multifamily properties built for rental income or sale.
Our construction and Investment loans are designed for builders and investors at every stage.
Building on spec in hot markets? We fund experienced builders who know their territory and can execute.
Buying tear-downs in established neighborhoods? Finance the acquisition and new build together.
Building permits, architectural plans, engineering, and other pre-construction soft costs.
Building to rent? We can structure construction financing that transitions to permanent DSCR loans.
Building pre-sold custom homes? Finance the build with funds released as construction progresses.
Ready to level up from rehab to new construction? One structural rehab qualifies you for our program.
Multiple options for completing your project and exiting the loan
List and sell the completed property. Pay off the construction loan with sale proceeds. Most common exit for spec builders.
Complete construction, then refinance into a conventional or portfolio loan for long-term hold.
Build-to-rent strategy? We can transition your construction loan directly into a long-term DSCR rental loan.
Have a project? Let’s structure it the right way. Include the basics of your deal and then let’s break it down together. Let’s look at it through the lens of a builder & lender. This won’t be just guidelines, but an actual underwriting of what you need to get funded.