Real estate funding · Ground-Up and New Construction
Capital released as the build progresses.
Ground-up lenders fund against the total cost of the project and release money in draws tied to completed work. Your experience tier is the single biggest driver of how much leverage you are offered.
Funding partners in our network
- Loanable
- PFG
- NLC / Loan Funder
- Funding Vault
- 7 Figures
- Lexington
- AdvisorHub
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- $75,000 to $5,000,000
- Term
- 6 to 24 months
- Rate
- 8.99% to 14%
- Leverage
- Up to 85% LTC
- Typical credit
- 680
- Time in business
- Not applicable, deal experience is what counts
- Revenue
- Not applicable
- Typical speed
- Weeks, subject to budget review
- Collateral
- Backed by the asset or property being financed.
Leverage is tiered by track record: 1 to 3 completed deals, 4 to 9, and 10 or more.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
Ground-Up Construction
Compare 2 partners in one step
Answer the pre-qualification questions once and see each of these partners side by side, with the differences spelled out.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
Up to 85% of cost
Leverage is quoted against total project cost, not just the land.
Draw-based release
Money is released as milestones are completed, which limits carry cost.
Experience-tiered pricing
A stronger track record moves you into better leverage and pricing.
Fit
Best for
- Builders and developers with completed projects behind them
- New construction on owned or newly acquired land
- Projects with a costed budget and a schedule
Uses
Common use cases
- Building single-family or small multifamily for sale
- Developing a parcel already in your portfolio
- Funding a build that a bank construction desk will not take
Partners
Every partner that offers this product
They are not interchangeable. Compare how they differ, then choose where to apply.
NLC / Loan Funder
NLC / Loan Funder USA
Real-estate specialist: fastest close, experience-based leverage up to 90% LTC.
Real estate only: fix and flip, bridge, ground-up construction, and DSCR rental loans.
Opens NLC / Loan Funder's own application. They underwrite the file and set every term.
Loanable
Loanable (Nextgen Capital Solutions)
One application, 100+ lenders, funding as fast as 24 hours.
Full marketplace covering both business and real estate products.
Opens Loanable's own application. They underwrite the file and set every term.
Not sure which one fits? Run the pre-qualification form and we will show you only the partners your profile matches.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.