Ground-Up Construction Loans for Builders & Investors
Finance the project from land and permits through construction and completion—with up to 100% of eligible construction costs funded.
Flexible private financing for residential builders, developers, and experienced investors who need a lender that understands the entire project—not just the loan request.
Tell Us About Your Project
- Rates starting at 8.75%+
- Up to 90% LTC
- No Bank Statements Needed
- No Appraisal Option
Ground-Up Construction at a Glance
Tailored capital for single builds, mid-construction takeouts, and phased multi-unit developments.
(10–50 Lots, absorption-tailored)
Interest-Only · No Prepay Penalty
Up to $50MM for multiple units
First-time builders eligible w/ exp. GC
Purchase price or As-Is (>6 mo. seasoning)
or AMC Appraisal available
Foreign nationals eligible
Guarantor accepted
Soft credit pull · Draws in 24–48 hrs
Depending on project complexity
Construction Financing Requires More Than a Rate
Understand the Full Project
We evaluate the borrower, land, permits, budget, GC structure, construction timeline, liquidity, risk mitigants, and exit together.
Flexible Deal Structuring
Every construction project is different. We focus on how the transaction actually works rather than forcing every borrower into the same box.
Direct Access
Work with experienced decision-makers who understand real estate finance and construction execution.
A Clear Path from Project to Funding
Submit Your Project
Deal Review
Terms & Underwriting
Close & Build
A First-Time Ground-Up Borrower. A Deal Another Lender Passed On.
A strong Saratoga borrower lacked completed Ground-Up projects on title. Helios1 Capital looked deeper at his liquidity, entitlement execution, GC agreement, project structure, and real risk mitigants.
A 24-month financing structure, followed by an additional $4M+ facility for the second lot.
That’s what we mean by “We Get the Deal.”
Frequently Asked Questions
Do you finance first-time Ground-Up builders?
Yes. First-time builders are eligible when partnered with an experienced General Contractor (GC) in place, with financing up to 90% LTC.
What are the appraisal options for Ground-Up loans?
We offer both a No-Appraisal Option and AMC Appraisal options, giving builders and developers faster valuations and streamlined closings.
Are bank statements required for qualification?
No bank statements are needed. We evaluate the asset, project feasibility, and borrower execution plan rather than burdensome paperwork.
Can lot acquisition and construction costs be financed?
Yes. We finance lot acquisitions up to 75% of purchase price or as-is value (>6 months seasoning) and up to 100% of construction draws, with draws reimbursed within 24–48 hours.
Are foreign nationals eligible?
Yes, eligible foreign national borrowers and investors may qualify for ground-up construction financing.
How quickly can I receive terms?
Once we have enough information to evaluate the transaction, our team can move quickly to determine whether the deal fits and discuss potential terms.
Discover the different types of loans we offer
Explore our full suite of private capital solutions tailored for investors, builders, and developers.
Ground-Up Construction
Financing for builders and developers from foundation through final completion.
Fix & Flip Loans
Acquisition and renovation capital with up to 100% financing for qualified rehab budgets.
DSCR Rental Properties
Long-term financing qualified on property cash flow without W-2s or tax returns.
Bridge Financing
Expedited short-term capital for acquisitions, partner buyouts, and transitional assets.
Multifamily Financing
Customized bridge and construction structures for residential portfolios and 5+ unit properties.
Have a Construction Deal Worth Discussing?
Tell us about the project. We’ll start by understanding the opportunity.