Construction Lenders
Private construction financing can support a ground-up build or a major project that does not fit a standard acquisition loan. Lenders differ in eligible property types, builder requirements, budget review, and how they value land and completed work.
Construction funds may be released in stages after inspections. Ask for the draw schedule, inspection process, documentation requirements, funding timeline, and any fees before committing to a contractor payment schedule.
Browse lender profiles for reported service areas, loan sizes, verification status, and any available reviews. These details can help build a shortlist, but confirm current project criteria and available capital directly with the lender.
Compare written offers for cash required, contingency reserves, maturity, extension rights, change-order treatment, and conditions to each draw. Ask for recent project references and review the final loan documents with the full construction budget.
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Frequently asked questions
How are private construction loans structured?
A lender may advance funds at closing and release construction funds in stages as work is completed. The leverage, term, contingency, and inspection rules depend on the project and lender.
How is a construction lender different from a fix and flip lender?
Ground-up construction and renovation involve different plans, permits, budgets, and inspection steps. Some lenders offer both products; confirm that a lender finances your specific project type.
What is the biggest risk when choosing a construction lender?
Delayed or disputed draws can interrupt construction. Ask for the draw conditions and timing in writing, confirm the lender’s source of funds, and speak with recent borrowers about completed projects.
Do private construction lenders require builder experience?
Requirements vary. Ask about prior projects, contractor licensing, guaranties, cash reserves, and whether the lender will consider your builder team.
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