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Construction & Development Loans
Ground-up and heavy renovation capital with draw management
Financing for land, horizontal work, and vertical construction for experienced sponsors. We underwrite total development cost, the completed value, the general contractor, and the takeout — then manage draws against inspected progress.
- Loan size
- $500K – $50M
- Loan-to-cost
- Up to 80%
- Structure
- Interest-only during construction
- Term
- 12 – 36 months
Best used for
- Ground-up residential, multifamily, and commercial development
- Heavy value-add renovation and adaptive reuse
- Land already owned that needs vertical capital
- Sponsors with a permanent takeout or sale strategy
What we will need
- Detailed budget separating hard costs, soft costs and contingency
- Plans, permits, and entitlement status
- GC contract, resume, and schedule
- Developer track record and pro forma to completion
Programs in Construction
Construction Loan
Draw-based financing for vertical construction and major renovation.
- Rate
- 8.50% – 12%
- Origination
- 1 – 2.5 pts
- Term
- 1 yr – 3 yr
- Turnaround
- 30 – 60 days
Start this application →
Ground-Up Development Loan
Land, horizontal work, and vertical construction for experienced developers.
- Rate
- 9% – 13%
- Origination
- 1.5 – 3 pts
- Term
- 1 yr – 3 yr
- Turnaround
- 30 – 75 days
Start this application →
How the process works
- Step 1
Feasibility
We test loan-to-cost, loan-to-completed-value and the exit.
- Step 2
Application
Land basis, budget, timeline, and team detail.
- Step 3
Underwrite
Plan and cost review, appraisal to completed value, feasibility.
- Step 4
Draws
Funding released against inspections through certificate of occupancy.
Frequently asked
Do I need permits before applying?
No, but entitled and permitted projects price better and close faster.
Can land equity count as my down payment?
Yes. Appreciated land basis is commonly credited toward required equity.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 8.5% – 12% · SOFR / Prime + 350 – 650 bps, interest only on drawn funds
Estimated monthly interest
$4,271
- Total interest
- $153,750
- Total interest + payoff
- $653,750
- Principal
- $500,000
- Est. origination points
- $8,750
Interest-only program: principal is repaid as a balloon at maturity.
Get a real quoteRates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.