Ground-up construction loans fund the full build cycle of new commercial real estate developments, from land acquisition through vertical build. These projects require careful coordination between plans, budgets, permits, and lender draw schedules. Our team supports clients by aligning them with capital partners who understand development timelines and construction risk.
We work with builders, developers, and investor groups to prepare lender-ready packages that include pro forma financials, contractor agreements, and exit strategies. Our relationships span bank and non-bank lenders, allowing for flexible structuring, including interest-only terms, staged funding, and takeout financing.
Strategy for Commercial Clients
Ground-up construction loans are designed for:
-
New commercial real estate development (office, industrial, retail, mixed-use)
-
Multifamily ground-up projects
-
Owner-occupied business facility construction
-
Hospitality and special-use properties
The financing strategy must reflect the build timeline, market assumptions, and exit approach (lease-up or sale).
-
Land ownership docs or purchase contract
-
Full construction budget and soft cost breakdown
-
Architectural plans and permitting status
-
GC agreement or builder profile
-
Appraisal, environmental, and feasibility studies
-
Exit strategy (refinance, sale, or stabilization plan)
Proper packaging minimizes lender concerns and accelerates draw approvals during the build process.
-
Acquisition + Construction Combo Loans – For clients acquiring raw land and building simultaneously
-
Bridge Loans – Temporary funding until permanent financing is secured
-
Perm Financing Advisory – Positioning for refinance at stabilization
-
Equity Placement – For covering capital stack gaps or investor syndication