Ground-Up Construction Financing Built for Builders & Investors

Finance new residential and investment construction projects with flexible lending solutions designed to help you build faster, scale smarter, and maximize profitability.

Request Terms

At Loan Factory, we specialize in providing tailored private lending solutions for ground-up construction projects

Request Terms

Schedule a Construction Strategy Call

Schedule a call today with Mitchell Dunn at Loan Factory to explore tailored private lending solutions for your real estate investment needs. 

Schedule a Strategy Call

Key Lending Features

  • Up to 90% Loan-to-Cost
  • Builder-Friendly Draw Schedules
  • Interest-Only Payments
  • Fast Approvals
  • Investor & Builder Focused
Request Construction Terms
Program Highlights

Key Features of Our Ground-Up Construction Loans

High Leverage Financing

Access up to 90% loan-to-cost to maximize your project’s capital efficiency.

Builder-Friendly Draws

Draw schedules tailored to your construction timeline for smooth cash flow management.

Fast Inspections

Quick on-site inspections to keep your project moving without delays.

Investor-Focused Underwriting

Underwriting designed to meet the needs of real estate investors and builders.

Interest-Only Payments

Lower monthly carrying costs with interest-only payment options during construction.

Flexible Exit Strategies

Options to sell upon completion, refinance, or hold your portfolio for long-term growth.

Ground-Up Construction Loan FAQs

Answers to common questions about financing new construction projects, helping you understand loan options, requirements, and processes.

  • Can I finance both land purchase and construction costs?

    Our loan programs often cover land acquisition and construction expenses, simplifying your funding under one loan.

  • What loan-to-cost ratios do you offer?

    Depending on your project and experience, loans can cover up to 90% of total costs to optimize your investment.

  • Is prior building experience necessary to qualify?

    We consider various factors; both experienced builders and qualified investors may be eligible for financing.

  • How are construction draw requests handled?

    Funds are released after verified completion of construction stages, aligned with your project timeline.

  • Can loans be issued to LLCs or business entities?

    Yes, we support financing through LLCs, partnerships, and other entities to fit your ownership structure.

  • What happens after construction finishes?

    You can sell the property or refinance into long-term loans like DSCR or conventional mortgages.

  • Are interest-only payments available during construction?

    Interest-only options help reduce carrying costs and maintain cash flow while building.

  • Which property types qualify for these loans?

    Eligible properties include single-family homes, townhomes, small multifamily units, and residential developments.

  • How fast is loan approval?

    Our streamlined underwriting often delivers decisions within days to keep your project on schedule.

  • Can these loans be used for build-to-rent projects?

    Yes, we offer financing tailored for build-to-rent strategies supporting rental income investments.

Need More Information?

Contact Mitchell Dunn at Loan Factory for personalized answers and guidance on ground-up construction financing.

Get in Touch

Build From the Ground Up with Confidence

Ground-Up Construction Loans cover land purchase, construction expenses, and project completion costs for both residential and investment properties. Loan Factory offers financing tailored to your project’s schedule, whether it’s a single property or a large-scale development.