Ground-Up Construction Loans | CapitalFlow Solution
Build from the Ground Up with Confidence
CapitalFlow Solution offers Ground-Up Construction Loans for investors and builders who want to create new residential properties from the ground up. Whether you're building a spec home, a duplex, or a small multifamily project, we provide the financing you need to bring your vision to life — with less hassle and more flexibility.
We lend in 42 states and understand the timelines, challenges, and capital needs unique to new construction. Our construction loans are structured with draw-based disbursements to match your building phases and budget.
What Is a Ground-Up Construction Loan?
A Ground-Up Construction Loan is a short-term loan that funds the building of a new residential property from start to finish. The loan covers land acquisition (if needed), construction costs, materials, labor, and everything in between — disbursed through scheduled draws as you complete key stages of the build.
Unlike conventional loans, construction loans from CapitalFlow are based on your project's potential, not just your personal income or credit.
Why Choose CapitalFlow for New Builds?
- Up to 85% Loan-to-Cost (LTC)
- Funds released in construction draws
- Fast underwriting and flexible guidelines
- Close in as little as 14 days
- Support for single-family, duplex, and multifamily
- We lend to builders, developers, and investors alike
We help investors build smarter, faster, and more efficiently — whether you're a first-time builder or a seasoned pro.
Who This Loan Is For
- Real estate investors developing new properties
- Small builders or contractors
- Spec home developers
- Portfolio investors creating rental units
We work with individuals, LLCs, joint ventures, and investment companies. If you have a viable site, plans, and a clear exit — we’re ready to fund you.
Use Cases
- Infill development in urban areas
- New spec home construction
- Duplex and triplex ground-up projects
- Build-to-rent communities
Key Loan Terms
| Feature | Details |
|---|---|
| Loan Amount | $100,000 – $5,000,000 |
| LTC | Up to 85% |
| ARV | Up to 70% |
| Term Length | 12–18 Months |
| Draw Schedule | Based on construction phases |
| Payments | Interest-Only |
| Credit Score | 680+ Preferred |
How It Works
Prequalify Your Project
Submit your construction budget, building plans, and timeline.
Get a Custom Term Sheet
We’ll tailor a quote to your build — typically within 2 business days.
Close & Build
After closing, your funds are released in phases based on construction milestones.
Sample Projects We’ve Funded
Atlanta, GA
$480,000
new build for a 4-bedroom home. Funded 85% LTC.
Denver, CO
$650,000
duplex construction in growing suburb.
Boise, ID
$375,000
spec home on an infill lot. Completed in 6 months.
Have plans ready? Let’s break ground together.
FAQs About Construction Loans
Can you finance the land too?
Yes — if you don’t already own the land, we can finance the purchase as part of the loan.
Do you require plans and permits?
Yes — approved building plans and permits are required prior to funding.
What’s the draw process like?
You’ll request funds based on construction progress. We verify completion before each draw.
Can I get a construction loan without experience?
Yes, but we’ll want to see strong vendor partners and clear project documentation.
Do you offer permanent financing after construction?
We focus on short-term construction financing, but can refer you to long-term partners.
Let’s Build Something Great
With CapitalFlow, you get more than funding — you get a partner that understands construction, timelines, and exit strategies. Let’s make your next build a success.
