Ground-up construction
Ground-up. Funded while the bank is still reviewing.
Land, entitled lots and vertical construction. Draws that keep the trades on site and the schedule intact.
Who it's for
For builders on a real schedule
- Land and entitled lots ready to break ground
- Single family, 2-4 unit and small multifamily builds
- Infill projects and lot splits in California
- Builders who need draw funding that actually arrives on time
What we look at
The property
Lot, entitlements, plans and permits status.
The equity
Land value, cash in the project and the budget behind it.
The exit
Sale on completion or refinance, with a realistic build timeline.
Program highlights
$250K–$10M
Loan range
Up to 75%
Max LTC
14 days
Average close
Subject to underwriting and property evaluation. Not all applicants will qualify.
Questions
Straight answers
Do you lend on raw land?
We focus on entitled or permit-ready lots. Tell us where your entitlements stand and we will give you a straight answer.
How do draws work?
Funds release against completed and inspected stages of work, on a schedule set at closing.
What if my permits are still pending?
Send the file anyway. We can often structure around a pending permit. Subject to underwriting and property evaluation.
How fast are terms?
Get your terms in 24 hours once we have the plans, budget and lot details.
Do you offer stated income loans?
Yes, on business-purpose and investment property loans. Owner-occupied loans require income documentation, and we accept alternatives like bank statements.
Can I qualify with a past bankruptcy or low credit score?
Often, yes. We focus on the property, your equity, and your exit plan. Every file is reviewed individually and approval is not guaranteed.
Who makes the decision on my loan?
Our in-house underwriting team. No outside committees.
Move now
Deadline coming? Let's move.
Tell us the deal today. Get your terms in 24 hours.
Subject to underwriting and property evaluation. Not all applicants will qualify.