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Ground Up Construction Loans

Capital for ground-up construction and land deals across Texas — structured to support efficient execution.
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Built for Efficient Construction & Land Closings

Asset-based underwriting for construction and land

Light documentation compared to traditional lenders

Direct access to a local Texas credit committee

Fast execution once appraisal and file are complete

Designed for entitled or shovel-ready projects

Ideal For

  • Builders and developers
  • Entitled or shovel-ready land
  • Ground-up residential or mixed-use construction

Program Overview

Program terms are outlined below and vary by deal structure, asset quality, and execution timeline.
Loan Amount (Commercial) $250K – $2.25M
Loan Amount (Resi on Individual SFR) $250K – $2.25M
Property Types SFRs, Townhomes, Multifamily and Mixed-Use, Commercial, Strip Malls, Warehouses, etc.
Max LTV Up to 75%
Max ACV Up to 85%
Funded on Draws After Inspection
Title Commitment Required
Minimum FICO 600

Required Documentation

Documents you may be required to present as part of the loan underwriting process:

Property Documents

  • Purchase Contract
  • Payoff Statement (if refinance)
  • Plans & Permits
  • Sources & Uses of Funds
  • Scope of Work
  • Appraisal or Feasibility Report

Personal Documents

  • Loan Application
  • Track record / General Contract Resume
  • Last 3 months of Bank Statements
  • Driver's license (front & back)
  • Passport / Visa (if Foreign National)

Business Documents

  • Articles of Incorporation
  • Operating Agreement (LLC) or Bylaws (Corp.)
  • EIN letter
Other documentation may also be required.

Ready to Get Started?

Tell us the basics – we’ll let you know if it’s a fit and what the next step looks like.

    Lending Type

    I am a borrowerI am a broker

    Designed for both investors and broker-submitted deals


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