Vertical Construction Loans Build with Confidence, Every Step of the Way

Our vertical construction loans

Ready to go vertical? Our construction loans are built for that phase — providing fast funding to help you frame, build, and finish strong. We support you from slab to roofline with financing solutions that understand the challenges builders face every day. When traditional lenders slow you down, Cascara keeps your project moving forward.

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Construction Financing That Keeps You Building

Cascara’s vertical construction loans cover everything from framing to finishes — including labor, materials, and all the costs that come once your foundation’s in. You’ll work with a team that understands how to keep builds on track and funded without the usual lender slowdowns.
Unlike traditional lenders, we’ve designed our process around construction realities – weather delays, material deliveries, subcontractor scheduling and all the moving parts that make each build unique. Our construction veterans know that time equals money in this business, which is why we’ve eliminated the red tape that typically bogs down the building process.

Loans That Fit Your Project — Flexible Financing for Builders at Every Stage

Single-Family Homes

Designed for builders doing anywhere from one to fifty homes a year — we'll keep your pipeline moving with predictable funding that matches your construction schedule. Whether you're an established builder or growing your business, our loans scale with your needs.

Multi-Unit Projects

Financing for townhomes and small multi-family builds, with flexible terms that match your timeline. We understand the complexities of multi-unit developments and provide funding structures that accommodate longer build cycles and phased completions.

Fast Turnarounds

Get same-day feedback, quick term sheets, and close in as little as 15 days — no delays, no runaround. When opportunity knocks, you need a lender who moves at builder speed, not banker speed.

Flexible Draws

Multiple draws per month, fast 24-hour inspections, and funding tied to real progress — all handled in-house. Access your funds when you need them, not when it's convenient for your lender.

Single-Family Homes

Designed for builders doing anywhere from one to fifty homes a year — we'll keep your pipeline moving with predictable funding that matches your construction schedule. Whether you're an established builder or growing your business, our loans scale with your needs.

Multi-Unit Projects

Financing for townhomes and small multi-family builds, with flexible terms that match your timeline. We understand the complexities of multi-unit developments and provide funding structures that accommodate longer build cycles and phased completions.

Fast Turnarounds

Get same-day feedback, quick term sheets, and close in as little as 15 days — no delays, no runaround. When opportunity knocks, you need a lender who moves at builder speed, not banker speed.

Flexible Draws

Multiple draws per month, fast 24-hour inspections, and funding tied to real progress — all handled in-house. Access your funds when you need them, not when it's convenient for your lender.

Built for Builders, Not Bankers

Our construction loans are built for real builders with real needs. We offer milestone-based funding with inspections typically completed within 24 hours. You’ll get same-day feedback, fast term sheets, and closings in as little as 15 days.
The process is straightforward, with clear documentation and simple qualification steps. Our in-house team manages the draw process and helps you track progress so you can stay focused on the build, not chasing paperwork. From start to finish, you’ll have dedicated support from people who understand the pace, pressure, and unpredictability of residential construction.
We’ve eliminated the traditional pain points builders experience with conventional construction loans. No more waiting weeks for inspections, dealing with inexperienced lenders who don’t understand construction, or navigating complicated draw processes that hold up your subcontractors. From start to finish, you’ll have dedicated support from people who understand the pace, pressure, and unpredictability of residential construction.
Framed residential home under construction with heavy equipment on site – representing Cascara Capital’s vertical construction loan offerings.

How Our Loan Process Works

Initial Consultation

Share your project plans, budgets, and timelines with our team of construction lending specialists who speak your language.

Same-Day Review

We'll give you quick feedback and loan terms that fit your deal, often on the same call. No mysterious underwriting black boxes.

Documentation

Submit construction plans and contracts – we only ask for what's necessary, not endless paperwork.

Fast Approval

Close in as little as 15 days, so you can secure that lot or start building without costly delays.

Flexible Draws

Access funds at key stages, with 24-hour inspections conducted by professionals who understand construction milestones.

Project Completion

Repay through sale or roll into permanent financing. We'll help you plan your exit strategy from day one.

Initial Consultation

Share your project plans, budgets, and timelines with our team of construction lending specialists who speak your language.

Same-Day Review

We'll give you quick feedback and loan terms that fit your deal, often on the same call. No mysterious underwriting black boxes.

Documentation

Submit construction plans and contracts – we only ask for what's necessary, not endless paperwork.

Fast Approval

Close in as little as 15 days, so you can secure that lot or start building without costly delays.

Flexible Draws

Access funds at key stages, with 24-hour inspections conducted by professionals who understand construction milestones.

Project Completion

Repay through sale or roll into permanent financing. We'll help you plan your exit strategy from day one.

FAQs —
Vertical Construction Loans

We typically fund vertical construction loans at up to 75% LTV and 90% LTC, compared to banks that often cap at 65–70% LTV and 70–80% LTC. Our higher leverage allows you to preserve more working capital for upcoming projects while we shoulder more of the upfront risk. Our Builder DNA approach means we evaluate projects with a deep understanding of construction realities and market dynamics—not just spreadsheet formulas. This enables us to offer competitive ratios while maintaining responsible lending standards.
We’ve funded over 800 construction projects, and in 40% of builds, budget overruns occur due to material cost spikes or unforeseen site conditions. When this happens, our team reviews legitimate cost increases on a case-by-case basis, often approving additional financing when backed by updated contractor estimates and market data. Before issues escalate, our in-house construction specialists collaborate with you to find solutions—whether through phased funding adjustments, alternative material sourcing, or revised timelines. We’re here to remove roadblocks, not create them, so you can keep building with confidence.
We release funds as you reach key vertical construction milestones—foundation pour, framing completion, mechanical rough-in, and beyond. Inspections are completed within 24 hours by professionals who know what true progress looks like in vertical development—not bankers with clipboards. With the ability to request multiple draws each month, your cash flow stays steady and your project stays on track, free from the bureaucratic delays that often stall construction. Our in-house servicing team manages everything—from scheduling inspections to releasing funds—typically within 48 hours of verifying completed work.
Our vertical construction loans typically run 12–18 months with interest-only payments during the build phase. At completion, you can sell the property, refinance into permanent financing, or roll into our bridge loan program for added flexibility if market timing calls for it. We structure exit strategies from day one because your next project matters as much as your current one, and many builders use our loans to hold completed single-family homes through peak selling seasons while simultaneously securing funds for their next vertical construction cycle.
We look for builders with proven experience in vertical construction and strong project management skills, though we evaluate each borrower’s situation individually. First-time builders with solid construction backgrounds—such as former GCs or superintendents—can often qualify with additional oversight structures in place for acquiring entitled land. Your track record matters more than your credit score; we want to see that you understand permits, scheduling, and cost control across different development phases. Many of our most valued clients started with smaller single-family projects and grew their portfolios as their expertise and our relationship evolved.
We fund vertical residential construction projects in 13 states, including Washington, California, Colorado, Texas, Florida, and other markets across the West and Southeast. Our expansion follows builder demand and focuses on regulatory environments that support efficient lending practices. While we avoid extremely rural locations where inspections are difficult, we actively finance suburban and urban residential communities and developments—whether it’s a single home or a large-scale community project. Local market knowledge is central to how we evaluate land acquisition opportunities.
With over 40 years of experience, we’ve navigated every kind of market cycle—from lumber price spikes to interest rate swings. When shifts threaten a project’s viability, we collaborate with builders to find solutions, whether that means extending terms, adjusting marketing strategies, or exploring alternative exit options that protect both borrower and lender. Our Builder DNA recognizes that markets often move faster than vertical construction timelines. Instead of calling a loan at the first sign of stress, we use our experience to help builders weather short-term challenges and position their projects to take advantage of improved conditions—so they’re ready to break ground on what’s next.

Ready to Break Ground?

Let's keep your build on schedule. Our team delivers fast, flexible financing for the vertical phase — designed for builders who don't have time to slow down. Partner with a lender who moves at your pace and understands what it takes to build in today's challenging market.

Contact our team today for a no-obligation consultation and discover why builders across the region are switching to Cascara Capital for their vertical construction needs.

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John Barlow, Senior Business Loan Consultant, smiles confidently in a dark suit and patterned tie. The background is a plain, textured gray surface.
John Barlow

Senior Business Loan Consultant

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Heather Ross, CFO, smiles confidently with arms crossed, wearing a charcoal gray blazer over a dark top. She has wavy, shoulder-length blonde hair, and stands in front of a textured gray background.
Heather Ross

CFO

Coming soon...

Koby Lines, Business Loan Consultant, smiles with arms crossed, wearing a dark pinstripe suit, white shirt, and navy tie. The background is a plain, textured gray surface.
Koby Lines

Business Loan Consultant

Coming soon...











Max Rutherford, Senior Loan Analyst, standing with arms crossed, wearing a white shirt, against a textured gray background.
Max Rutherford

Senior Loan Analyst

Max brings a strong background in investment banking, financial analysis, and portfolio management to his role as Senior Loan Analyst at Cascara. He supports the firm’s loan strategy and underwriting efforts while managing client relationships, portfolio risk, fundraising initiatives, and marketing strategy. Prior to Cascara, he served as an Analyst Intern at Cascadia Capital, where he focused on financial modeling, market research, and pitch deck development. He also worked as an Accounting Associate at myGREEN Tax & Accounting, managing QuickBooks portfolios and preparing financial reports. Max holds a BBA in Marketing from the University of Washington’s Michael G. Foster School of Business.

Michael Thies, VP of Sales, in a suit standing and smiling against a plain, textured gray background.
Michael Thies

VP of Sales

Michael brings over 25 years of experience in mortgage lending, marked by leadership, operational excellence, and a dedication to helping clients achieve their goals. As a high-performing branch manager at Bank of America, he led a team that consistently funded more than $600 million annually, showcasing his talent for driving results and building strong teams. Throughout his career, Michael has personally originated over $700 million in residential loans, earning a reputation for integrity, trust, and personalized service. His deep understanding of market dynamics and borrower needs makes him a valued resource for clients and colleagues alike. Michael’s ability to blend strategic insight with a client-focused approach positions him as a respected leader in the industry.

Smokey Burns, board member, standing confidently in a gray suit with a blue tie and pocket square, against a textured gray background.
Smokey Burns

Board Member

Smokey brings over 25 years of experience in finance, accounting, and business development to Cascara. After earning his graduate degree from the University of San Francisco in 2001, he founded and led Epicenter Network, an online marketing company, as CFO until its successful sale in 2010. While staying on through 2015, he also launched Lexo Media Group in 2012 and sold it in 2015. In 2016, he co-founded Nimble Five, Inc., where he oversaw all finance and banking operations, managed accounting teams, led HR and compliance efforts, and worked closely with shareholders on strategic decisions. Smokey’s proven track record of multiple successful exits and his disciplined leadership have been key contributors to Cascara’s continued growth.

Brett Moreland, Founder & Principal, in a dark suit smiles confidently, standing against a plain, textured gray wall, exuding a professional demeanor.
Brett Moreland

Founder & Principal

Brett brings over 30 years of real estate finance experience to his role as Founder and Principal of Cascara Capital. He leads the firm’s strategic direction, capital relationships, and credit operations, drawing on deep expertise in lending cycles and risk management. Brett began his career at Norwest Bank before founding Qualfund Lending, LLC, which grew to 80 loan officers with annual volume exceeding $800 million. After selling Qualfund to First Independent Bank in 2003, he served as General Manager until 2005. Since then, Brett has focused on private lending, originating and servicing $700 million in bridge and construction loans. He holds a finance degree from Washington State University and lives in Kirkland, Washington, with his family.