A ground-up construction loan provides real estate investors with capital to finance the entire construction process—from land acquisition to the completion of vertical improvements. These loans are designed specifically for investment properties and developer-led projects.

These loans are ideal for real estate investors, developers, and builders planning to construct residential, commercial, or mixed-use properties. The financing is typically released in phased draws tied to specific construction milestones. Funds are disbursed incrementally as work progresses, ensuring accountability and efficient use of capital. Common uses of funds include grading, excavation, permits, plumbing, roofing, and finish-outs.