Ground-Up Construction Loans

Capital for experienced builders to break ground and build from scratch. Structured draws, competitive leverage, and terms designed for new construction timelines.

Overview

Build With Confidence

Our ground-up construction loans provide the capital you need to take a project from dirt to done. Whether you're building a single-family spec home or a small community, we structure financing that matches your build timeline and budget.

We work with experienced builders who have a track record of completing projects on time and on budget. Our underwriting focuses on the deal, not just the borrower.

Loan Range

$500,000 to $3,000,000

Term

12 to 18 months with extension options

Closing Speed

As fast as 7 to 14 business days

Draw Schedule

Structured milestone-based draws

Why Ledger

What Sets Us Apart

Competitive leverage on land and vertical construction costs
Fast, predictable draw process with dedicated project oversight
No junk fees or hidden costs at closing
Institutional-grade terms available to local builders
Repeat borrower programs for builders scaling their pipeline

Ideal Borrower

Our construction loans are designed for builders with experience completing residential projects. You should have a clear scope of work, an itemized budget, and a realistic timeline.

Whether you're building your 5th home or your 50th, we structure terms that make sense for where you are in your business.

Estimate Your Rate