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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

1
Property
2
Contact
3
Verify
Step 1 of 3 — Loan Details

By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.

Investment Property Only • 660+ FICO • $200K+ Loans
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Step 2 of 2 — Contact Info

By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.

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Step 3 of 3 — Verify Your Number
🔒 One last step. We sent a 6-digit code to your phone. This verifies your number and ensures our lending specialists can reach you — no fake submissions.
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Application Received!

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
🌐

30+ Capital Sources, Not One

Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet routes your deal across 30+ capital partners to find the one with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.

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Investment Property Specialists

We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.

Speed Where It Matters

Bridge loans in 5–10 days. Fix & Flip in 7–14 days. DSCR in 21–30 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.

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Proven Track Record

10 years serving investors. $4.36B funded across 8,196 closed deals in 48 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.

🏛️
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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