Ground-Up Construction Loans
When planning a new build from the ground up, traditional financing can be slow and restrictive, requiring separate loans for land and construction. Our ground-up construction loans deliver comprehensive financing for land, materials, and labor in a single loan designed for experienced builders, developers, and investors.
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Ground-Up Construction Loan: Program Highlights & Borrower Benefits
Our Ground-Up Construction Loan is built for borrowers and investors financing the construction of a property from the ground up — whether building a custom home, investment property, or new development project.
Instead of securing separate financing for land, construction, and permanent financing, this program can streamline the process into one structured solution.
This is designed for borrowers who want to build from vision to completion — without unnecessary financing complexity.
Program Features
Loan Amounts: Up to $5,000,000+ (varies by project scope and leverage)
Property Types: Single-family, custom homes, eligible investment properties, and select 1–4 unit projects
Min Credit Score: 680+ (720+ preferred for stronger pricing)
Occupancy: Loans are created for Investment Purposes only but can be refinanced into a primary home post construction
Down Payment: Starting at 5–20% (varies by borrower profile and project)
Builder Requirements: Licensed builder approval typically required
Financing Structure: 12 to 18-month terms with interest-only Non-Dutch payments
Construction Funds: Disbursed through staged draw schedules based on project milestones
Land Financing: Can include lot acquisition or leverage owned land equity
Reserves: Varies by loan size and project risk
Financing may cover land acquisition, construction costs, and permanent financing.
Draws are released as milestones are completed.
No need to re-qualify once construction is complete with eligible one-time-close structures.
This program rewards borrowers and builders who want to create value from the ground up.
Program Highlights
Loan Amounts: Up to $5,000,000+ (varies by project scope and leverage)
Min Credit Score: 680+ (720+ preferred for stronger pricing)
Down Payment: Starting at 5–20% (varies by borrower profile and project)
Financing Structure: 12 to 18-month terms with interest-only Non-Dutch payments
Land Financing: Can include lot acquisition or leverage owned land equity
Property Types: Single-family, custom homes, eligible investment properties, and select 1–4 unit projects
Occupancy: Loans are created for Investment Purposes only but can be refinanced into a primary home post construction
Builder Requirements: Licensed builder approval typically required
Construction Funds: Disbursed through staged draw schedules based on project milestones
Reserves: Varies by loan size and project risk
Financing may cover land acquisition, construction costs, and permanent financing.
Draws are released as milestones are completed.
No need to re-qualify once construction is complete with eligible one-time-close structures.
This program rewards borrowers and builders who want to create value from the ground up.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Financing Easy for Ground-Up Projects
We help structure land value, build budgets, draw schedules, and exit strategies upfront to reduce friction and improve execution.
The goal isn’t just funding the project.
The goal is getting it built with confidence.
We help you present the project clearly and strategically.
Why Choose a Ground-Up Construction Loan?
If you have the land and the vision, this program works in your favor.
You bring the blueprint. Let the financing help you build it.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Funded Home Loans
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Answers to Your Questions
What Are Ground-Up Construction Loans?
Ground-up construction loans are short-term financing, typically 6 to 24 months, for new builds on vacant or raw land.
- Covers land acquisition, hard costs (materials, labor), soft costs (permits, fees), and contingency reserves
- Typically structured with interest-only staged draw funding
- Acts as an entry point for permanent financing once the project is finished
- Ideal for spec home financing, rental property builds, and multifamily developments
Who Are These Loans Designed For?
These specialized programs are best suited to experienced builders, developers, and investors.
- Builders using construction loans for vertical development
- Investors pursuing build-to-rent financing
- Developers seeking commercial construction financing
- Borrowers with prior building or renovation experience
How Are Construction Funds Disbursed?
Held in an escrow account, funds are released in stages through a milestone-based draw schedule.
- Draws typically align with the foundation, framing, and finish stages
- A third-party inspector verifies the completion of each phase for draw approval
- Reduces risk by ensuring funds are only released as work progresses
- Designed to support consistent cash flow throughout construction
Can Land Be Included in the Loan?
Yes. Land acquisition can often be financed with a construction loan.
- Initial draws typically cover land purchase and permitting
- Eliminates the need for separate land and construction loans
- Owned or paid-off land may be used as equity to reduce the loan amount needed
What Happens After Construction Is Complete?
Once the project is finished, developers typically transition to their pre-planned exit strategy.
- Sell the property and repay the loan
- Refinance into long-term permanent financing
- Hold the asset as a rental investment
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