FIDELITY FUNDING (877) 300-3007

Ground-Up Construction

For experienced builders and developers, ground-up construction offers the highest potential margins. We provide the capital required to take your project from vacant land to certificate of occupancy.

We offer high Loan-to-Cost (LTC) financing for single-family spec homes, multi-unit developments, and commercial builds. Our streamlined draw process and common-sense underwriting keep your development on track.

Key Facts

  • Max LTC: Up to 85%
  • Max LTV (As-Completed): Up to 70%
  • Terms: 12 - 24 Months
  • Project Types: SFR, Multifamily, Mixed-Use
  • Experienced real estate developers
  • Spec home builders
  • Multifamily developers
  • Investors building to rent

Frequently Asked Questions

Will you finance the land purchase?

We prefer you to own the land or have significant equity, but we can finance a portion of the land acquisition alongside the construction costs.

Do you lend to first-time builders?

Ground-up loans generally require a proven track record of completed projects. First-timers should partner with an experienced GC.

How fast can you process a draw?

Typically 24-48 hours after the inspector verifies the completed work phase.

Can I build a rental portfolio this way?

Yes, 'Build-to-Rent' is a very popular strategy that we support.

Are interest payments required during construction?

We typically build an interest reserve into the loan so you don't have out-of-pocket payments during the build.

Get a California Term Sheet Today

Fidelity Funding Corp · Direct California private money lender since 2006

(877) 300-3007

450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT

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