Ground Up Construction

Build it from the ground up.

Vertical construction financing for single builds and small developments — high leverage on land and total cost, a draw process built around your schedule, and the partners involved at every step.

Loan Parameters

Program at a glance.

Up to 80% of land cost and up to 90% of total project cost on 1–4 unit residential and multifamily new construction.

Loan Amounts$100,000 – $2,500,000
Term12 – 24 months
Max Loan to Land CostUp to 80%
Max Loan to Total CostUp to 90%
Max Loan to ARV75%
Property Types1–4 Unit Residential, Multifamily
Use of ProceedsAcquisition, Construction
LocationPrimarily NY, NJ, PA — other US MSAs considered
Min Prepayment0 months
AmortizationInterest only
ExperienceNo experience needed
Closing Period2 – 4 weeks

Rates and fees vary by deal — request a quote for current pricing.

What we promise

Four reasons to call us first.

01 — High Leverage

Capital sized to your deal.

Up to 80% loan-to-land cost and up to 90% loan-to-total cost on the project.

02 — Ease of Process

Underwritten on the deal.

No tax returns. We underwrite the project, the team, and the business plan.

03 — Certainty to Close

What we quote is what closes.

A draw schedule built around your timeline — funds released as work progresses.

04 — White Glove Lending

Direct access to the partners.

The partners stay involved from acquisition through completion — every draw, every call.

Who it's for

Developers building from the ground up.

Built for investors and developers tackling new construction on shovel-ready, fully entitled land — whether the strategy is build-to-sell, build-to-rent, or a small infill project.

How we underwrite

Project, team, and business plan.

We underwrite the land, the build cost, the contractor team, and the post-construction strategy. Funds are released on a progress-based draw schedule as work is completed and inspected.

Common Questions

Construction questions, answered.

Do you finance the land purchase and the build?

Yes. Up to 80% of land cost and up to 90% of total project cost.

What kind of construction do you fund?

Single-family to small multifamily new construction on shovel-ready, fully entitled sites. We do not finance unentitled land or speculative early-stage development.

How are construction draws handled?

On a progress-based schedule as work is completed and inspected. We keep the draw process efficient so capital is available when you need it.

Do I need prior construction experience?

No, but we evaluate the strength of the contractor and the team executing the project closely.

How long does construction financing typically run?

12 to 24 months, depending on project scope.

Have a deal?
Let's get you a number.

Send us the address. We'll get back to you with terms.