# Construction Financing Financing for ground-up builds, major renovations, and fix-and-flip projects.
## Choose Your Project Type
Select the construction financing that fits your project.
Ground-Up Construction
Build from scratch on raw or prepared land
- Commercial and residential projects
- Draw schedules tied to milestones
- Interest-only during construction
- Permanent financing upon completion
Major Renovation
Gut rehabs and significant property improvements
- Scope-based draw schedules
- Value-add underwriting
- Bridge-to-perm options
- Up to 85% of renovation costs
Fix & Flip
Short-term buy, renovate, and sell
- Fast closings (7-14 days)
- Up to 90% of purchase price
- 100% of rehab costs available
- 12-18 month terms
Construction loans are short-term and disbursed in draws as work progresses. Once construction is complete, you refinance into a permanent mortgage or the loan converts automatically.
Typically you need detailed plans and specs, a licensed contractor agreement, a project budget, a timeline, and proof of land ownership or purchase contract.
Some programs allow owner-builders, but most require a licensed general contractor. We can help you find programs that match your situation.
Funds are released in draws based on completed milestones verified by an inspector. This protects both the lender and borrower throughout the project.
## Ready to Build? Get pre-approved for construction financing today.