Ground-Up Construction Loans
Our Ground Up financing is designed to fit the unique needs of each project. No matter the size or scope of your vision, Elevate Finance Group is here to provide the support and funding you need to bring it to life!
Fast & Reliable Funding
Close deals in 7–10 days with fast pre-approvals & simplified processing
High leverage financing
Finance up to 85% of the property value including renovation costs
Flexible structures
Customized loan terms, draw schedules, and payment plans to fit your goals
Program Highlights
- Purpose: Ground up construction financing for investment properties and developments.
- Loan Amounts: $75,000 to $20,000,000+
- LTV: Up to 90% Loan-to-Cost (LTC) Maximum 75% After Repair Value (ARV)
- Term: 12–36 months (extensions available)
- Rates: 10.5%–12.99% interest-only
- Points: 2+
- Requirements: Exit strategy, Bank statements, Detailed construction budget and scope Plans and permits Appraisal ordered at contract
Maximize Returns with Smart Financing
These are 12–36 month private money loans designed for experienced builders and developers to finance new construction projects, including residential, multifamily, and commercial builds. These loans typically cover up to 90% of the total project cost (LTC), with interest-only payments during the construction phase. Quick approvals and flexible draw schedules make them ideal for funding materials and labor as the project progresses. Ground-up construction loans are perfect for spec builds, subdivisions, or custom home construction, helping investors bring their vision to life while managing cash flow efficiently.
From single-family homes to multifamily and light commercial builds, we provide smart, reliable funding tailored to your blueprint.
Who This Loan Is For?
Our Ground-Up Construction Loan Program is built for:
- Real estate developers and builders — launching residential or mixed-use construction projects from raw land or teardown.
- Experienced investors — looking to shift from fix & flip or BRRRR into full-scale new builds with higher margins.
- Landowners — who need financing to start vertical construction or refinance land loans.
- Small-to-mid-size construction firms — looking for fast, reliable funding without waiting on slow institutional processes.
- Commercial property investors — pursuing retail, office, or light industrial construction in emerging markets.
How it Works?
Speak with a Loan Specialist
Start with a free 15-minute consultation.
Get Pre-Approved
Apply online in just 5 minutes — no cost, no obligation.
Submit Application
Once pre-approved, submit your property-specific application
Sign Loan Docs & Disclosures
We’ll send loan documents for e signature at the title company.
Fund Your Deal
Closing is held at a licensed title company or attorney’s office
Elevate Finance Group
Frequently Asked Questions (FAQ)
Yes. If your land is shovel-ready or close to permit approval, we can finance both the land and construction in one loan package.
Typically: construction plans, permits (or status), builder experience, scope of work, detailed budget, and exit strategy. We can walk you through exactly what’s needed.
Yes—if your land is already owned and contributes significant equity, we can fund up to 100% of vertical construction costs, based on the total LTC cap.
While experience helps, we work with both new and seasoned builders. If you’re new, having a licensed general contractor or experienced partner is usually required.
You can exit the loan by selling the property or refinancing into a long-term DSCR or rental loan—and we’ll help you plan ahead for a smooth transition.
Unsure Where to Start?
Apply Now! A team member will reach out, or give us a call. We’ll guide you through the funding process and make securing your loan easy and stress-free.
