Vertical Construction Loans

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.

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.