# Ground-Up Construction Financing Build from the ground up with financing designed for new development.
## Ground-Up Construction Loan Features
### Milestone-Based Draws Funds released as construction progresses through verified milestones, ensuring proper cash flow management.
### Interest-Only During Build Pay only interest during the construction phase, keeping costs low until the project generates revenue.
### Construction-to-Perm Single-close loans that automatically convert to permanent financing upon completion, saving time and closing costs.
### Competitive LTC Ratios Up to 80% loan-to-cost for qualified projects with experienced developers.
### Flexible Project Types Multi-family, mixed-use, retail, office, and industrial ground-up projects all eligible.
### Experienced Team Dedicated construction lending specialists who understand the development process.
Construction loans typically run 12-24 months depending on project scope. We can structure terms to match your specific project timeline.
Not necessarily. Many construction loans include land acquisition as part of the financing. If you already own the land, its equity can count toward your down payment.
Requirements vary by program. Some lenders require 2-3 completed projects, while others work with first-time developers who partner with experienced contractors.
Yes. We offer spec home construction loans for builders and developers looking to build and sell single-family residences.
## Ready to Break Ground? Get financing for your ground-up construction project.