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Ground-Up Construction Loans
$250K to $5M+ | Close in 14 Days

Fast Draws · Flexible Terms · No Impact to Credit Score

Ground-Up and Mid-Construction Eligible
Up to 90% LTC Financing
Up to 75% of After Repair Value (ARV)
Fast Draw Release Schedule
12 to 30 Month Flexible Terms
No Impact to Credit Score to Apply

Get Your Construction Loan Options

Investment Property Only • No Impact to Credit Score

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Step 1 of 3 — Loan Details
Investment Property Only • 660+ FICO • $200K+ Loans
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A loan specialist will contact you within 1 business day with your financing options.

Top Rated Construction Loan Lenders

Why Get a Construction Loan
with LendingStreet

LendingStreet connects real estate developers and builders with experienced construction lenders who understand ground-up projects. With up to 90% of total costs financed and draw schedules aligned to your construction milestones, our program keeps your project funded from foundation to certificate of occupancy.

Approvals in 48 hours, closings in 14–21 days, and dedicated loan advisors who have funded thousands of construction projects. We move at the speed your build requires.

Get My Construction Options →

Ground-Up Construction Loan

Finance new builds and mid-construction projects from start to close

12 to 30 Month Terms
$250K to $5M+
Up to 90% LTC
Up to 75% of ARV (LTARV)
Fast Draw Release Schedule
Ground-Up or Mid-Construction
Get My Construction Options →
✓ 85% Approval Rate
Builder Insights
Why Builders Choose LendingStreet

Fastest draw process I've ever experienced. Inspections done within 3 days and funds released same week. My subs stayed on schedule because of it.

Derek M.
Real Estate Developer · Austin, TX

Funded my 4-unit ground-up project at 88% LTC. I couldn't find that leverage anywhere else. Closed in 16 days and construction started on time.

Priya S.
Builder / Investor · Charlotte, NC

Mid-construction deal that two other lenders passed on. LendingStreet found a lender who understood the project scope and closed quickly. Saved the deal.

Carlos V.
General Contractor · Los Angeles, CA
Process
Apply in 3 Easy Steps
1

Inquire for Free

Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.

2

Upload Documents

Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.

3

Break Ground

Receive your loan offer with competitive rates and terms. Funds deposited directly to your account — as fast as 5 business days.

$4,360,500,920
Dollars Funded
8,196
Real Estate Loans
99.2%
Client Satisfaction
FAQ
Construction Loan FAQs
What is a ground-up construction loan?
A ground-up construction loan provides financing for building a new property from scratch on vacant land. Funds are disbursed in draws as construction milestones are completed. These loans typically have 12–30 month terms and are replaced by permanent financing (bridge or DSCR loan) upon project completion.
How does the draw process work?
Construction funds are disbursed in stages based on completed work. A third-party inspector verifies each milestone (foundation, framing, MEP rough-in, drywall, completion), and draws are released after approval — typically within 3–5 business days. This protects both the borrower and the lender throughout the build.
What is LTC vs LTARV?
LTC (Loan-to-Cost) is the loan amount as a percentage of total project cost (land + construction budget). LTARV (Loan-to-After-Repair-Value) caps the loan as a percentage of the estimated completed value. Lenders use both as guardrails — our programs offer up to 90% LTC and up to 75% LTARV.
Do I need construction experience?
Some experience is preferred but not always required. First-time builders may be asked to work with a licensed general contractor with a documented track record. Experienced developers receive better leverage and rates. All experience levels are considered.
What happens when construction is complete?
At project completion, the construction loan is typically paid off by either selling the property (fix and flip strategy) or refinancing into a DSCR or bridge loan for long-term hold or stabilization. Our lenders can help you plan the exit strategy from day one.
Why LendingStreet
Why Choose LendingStreet

Fast Approvals & Funding

Pre-approvals in 48 hours. Our lender network moves at the pace your deal requires — funding as fast as 5–7 business days.

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Lowest Cost

Our infrastructure keeps rates and fees 25–50% lower than most competitors — for every investor level, credit tier, and deal size.

Simplified Process

End-to-end from application to funding is smooth, transparent, and stress-free. No unnecessary paperwork. No runaround.

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10+ Years Experience

Over a decade serving real estate investors. Thousands of funded deals. Our lender relationships are unmatched.

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Proud Member
American Association of Private Lenders (AAPL)

We Are Here to Help

Contact one of our experienced loan specialists today.

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