If you’ve got the vision, the land, and the team but not the capital that moves as fast as your timeline your project could stall before the first shovel hits the dirt.
That’s where we come in. At Realty Capital Financial, we specialize in ground-up construction loans, a financing option designed to support every stage of your build, from acquisition to final inspections, and act as your silent financing partner, delivering fast, flexible funding that keeps you in control and your project on schedule. With up to 90% Loan-to-Cost, no liquidity statement required, and no cash close on approved, permitted land, we’re built for developers who can’t afford delays.
At Realty Capital Financial, we specialize in ground-up construction loans—a financing option designed to support every stage of your build, from acquisition to final inspections. Whether you’re developing a single-double or even a Multi-unit property,these loans offer the flexibility, scale, and structure needed to bring your vision to life.
What Are Ground-Up Construction Loans?
Ground-up construction loans are purpose-built to finance new builds from start to finish. Unlike traditional mortgages, which are designed for already-existing properties, these loans cover the entire construction process:
- Land acquisition
- Material and labor costs
- Permitting and soft costs
- Construction oversight
The capital is typically disbursed through a draw schedule, allowing developers to access funds in stages simply by uploading a Picture of the completed line item on the approved budget as key milestones are completed. This protects all parties involved and ensures the project stays on track.
Designed for Projects Big and Small
One of the most common misconceptions about ground-up construction loans is that they’re only meant for large-scale developers. That’s not the case.
We’ve worked with first-time builders breaking ground on a single residence, as well as experienced developers launching multi-unit townhomes or mixed-use commercial projects. The core benefit is the same: a financing structure that adapts to the size and scope of your real estate goals.
Key Benefits of Our Ground-Up Construction Loans
At Realty Capital Financial, we’ve designed our construction loans to offer more than just funding—they offer flexibility and foresight:
- Up to 90% Loan-to-Cost (LTC)
Maximize your leverage and reduce the capital required to get started. - Up to 75% Loan-to-After-Repair Value (LTARV)
Plan with confidence knowing your future value is considered in the structure. - No Liquidity Statement Required
We focus on the deal, your experience and the profitability of the project. - Full Interest Reserve Escrow – Up to 24 Months
Get up to two years of interest coverage built into the loan so you can focus on execution. - No Cash Closes on Approved, Permitted Land
Already have land and permits in hand? We don’t require additional out-of-pocket cash to close.
These features are built to accelerate project starts and reduce friction—especially for developers working within tight timelines or shifting market conditions.
Why Our Model Works for Builders
Ground-up construction loans aren’t just about financing. They’re about enabling progress. Our structured draw schedules, fast underwriting, and operator-level experience mean fewer delays, predictable timelines, and a smoother path from blueprint to finished asset.
As your silent financing partner, we stay in the background as you take the spotlight.
Final Thoughts
We don’t believe in one-size-fits-all lending. At Realty Capital Financial, we work alongside you to ensure that your financing solution is aligned with the unique demands of your project.
If you’re considering building from the ground up, know that the right financial partner can make all the difference—from first permits to final walkthroughs.
