| Best for | Ground-up builds, major renovations, conversions, completing stalled projects |
| Loan size | $1M to $100M+ with senior and gap capital |
| Leverage | Up to 85–90% of cost for experienced builders |
| Rate | Private construction typically ~9.5%–13%; bank construction lower for strong sponsors |
| Term | 12–36 months interest-only, funded in draws |
| Docs | Plans, permits or path to permits, line-item budget, GC contract, your track record |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Good fit: approved plans or a clear path to permits; a budget and contractor; experience (or a partner with it).
Not a fit: no plans, no budget, no experience and no partner.
Common questions
- Can I get cash out of my land before construction starts? Sometimes, with a land or pre-development bridge, especially if the land is free and clear.
- What if the senior loan doesn't cover enough? Gap capital: mezzanine debt or preferred equity can fill the space between the senior loan and your equity.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Recent transactions
Special situations
No certificate of occupancyWhy a missing CO kills many loans, when it doesn't matter, and which kinds of lenders will still lend.How it gets solvedUnfinished buildingWhy standard loans won't touch partially built property and how construction-completion loans work.How it gets solvedLimited track recordReal quotes showing how one lender's experience tiers moved a rate from 9.00% to 11.75% on the same property.How it gets solved
Related programs
Land LoansFinancing to buy, refinance, or pull cash from raw or entitled land.View programBridge LoansShort-term loans (usually 12–36 months) that get you to the next step: a purchase that has to close fast, a property that isn't stabilized yet, or a refinance while you wait for permanent financing.View programFix & Flip and Rehab LoansShort-term loans to buy and renovate residential investment property, with rehab funds released in draws.View programPrivate CreditFor larger or complex borrowers that banks won't touch (because of industry, existing debt, or structure), private credit funds lend against everything the business owns: real estate, equipment, inventory and receivables.View program