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New Construction Loans | Private Real Estate Financing for Builders & Ground-Up Projects
New Construction
Build Your Vision with Fast,
Flexible Construction Financing
Ground-up construction loans that keep you moving.
Whether you're breaking ground on a build-to-rent property or a custom spec home, New Construction loans with GroundFloor Lending provide the capital you need to move quickly.
Enjoy flexible draw schedules, expert support, and interest-only payment options that help keep your project cash flow positive.
Get the funding you need from foundation to final inspection.
New construction loans keep your project on track with structured draws and your funding secure.
Key Features:
Interest only on disbursed funds
Origination fees financed into the loan
2nd lien assistance to help with down payment
Five-year lookback on experience
Payments deferred until payoff
Loans up to $2.5 Million
New Construction
Three StepsForward
Share Your Plans: Submit your blueprints and construction budget online. Get quick feedback to move forward with your new construction loan.
Quick Approval: 24-hour responses on applications. Clear, fixed-rate new construction loan terms with no surprises.
Build with Confidences: Fast closing means starting sooner. Draw funds as needed to keep your residential or commercial project on schedule.
New Construction
Why Build With Groundfloor Lending?
New Construction Expertise: We understand permits, timelines, and contractor needs. Get fast draws and reliable funding to keep your build on track.
Market-Smart Lending: Quick property evaluations and confident approvals. Our decisions factor in land value, construction costs, and final appraisals.
Seamless Construction Financing: Lot loans, bridge financing, and ground-up construction loans—fast closings and steady funding for every phase.
Proven builder experience or contractor track record
15% down payment for project funding
Clear exit strategy, such as sale or refinance
Structured construction timeline for project completion
New Construction Loans
Built for
Professional-Grade Projects
Groundfloor Lending’s new-construction loans suit investors and developers managing residential builds with defined timelines and clear exit strategies. Terms reflect project scope, borrower experience, and end goals, whether the property will be sold or held as a rental.
Eligible projects include custom homes, infill developments, and single-family rentals. Borrowers receive dedicated support, transparent documentation, and funding that keeps pace with progress. Our team understands what slows a build and structures financing that moves projects from foundation to completion with fewer roadblocks.
Draw Process That Keeps
your Build on Schedule
The construction loan draw process at Groundfloor Lending matches the real-world pace of a build. Once a phase is complete, Groundfloor Lending verifies the work and typically releases funds within two business days, keeping subcontractors paid and schedules intact.
Our lending team tracks every milestone and maintains clear communication. Whether you are grading lots, framing walls, or installing finishes, draw requests mirror construction stages and help prevent costly delays. This structure supports reliable cash flow and gives builders full visibility over funding as each project moves forward.
Have questions?
Construction Loans FAQ
What are new construction loans used for?
New construction loans are used to finance ground-up builds, covering costs like materials, labor, permits, and soft costs throughout the project.
How does the draw process work?
After completing a construction milestone, borrowers submit a draw request through the borrower portal. Funds are released after a third-party inspection confirms progress.
Do I need construction experience to qualify?
No prior construction experience is required to qualify. However, borrowers with experience may be eligible for higher leverage or more favorable terms.
What’s the loan timeline?
Groundfloor Lending construction loans typically close in around 14 business days. Loan funds are disbursed in stages as construction milestones are completed.
