Ground-up financing for builders and investors building spec or pre-sold homes. Finance the lot and up to 100% of the build, with draws funded in days.
We shop your build across a network of construction lenders, so one application reaches the programs that fit your project, your market and your track record.
Single-family homes built to sell on the open market.
Homes built under a purchase contract with an end buyer.
Attached and detached townhome projects.
Small multi-unit buildings and condo projects.
Tear-downs and vacant lots in established neighborhoods.
Several homes in one project, often under a single loan.
The best terms available across our lending partners. Your final terms depend on the project, your market, your track record and the lender that fits your deal.
Share the lot, plans, construction budget and timeline. We match it to lenders active in your market.
The lender reviews the budget and orders an as-completed appraisal, then sets your loan amount.
Close on the lot, start construction and request draws as each stage is completed and inspected.
Lenders size the loan on total project cost and cap it at a share of the finished home's value.
In this example you bring $25,000 plus closing costs. Leverage varies by lender, market and experience.
Most construction lenders close the vertical loan once permits are in hand. If you are still buying the lot or waiting on permits, a lot loan can bridge the gap.
Yes. Several lenders allow multiple homes per loan or one approval for a phased project. Builders with an ongoing pipeline should also look at construction lines of credit.
Both. Spec and pre-sold homes are eligible.
Yes. Some lenders convert the construction loan to a long-term loan, or you can refinance into a rental loan that qualifies on the rent.
No. These are business-purpose loans for investment and for-sale property only.
Send us your plans and budget. We'll bring back a construction loan that fits.
Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or project qualifies for every term. Leverage, loan amounts, draw timing and eligibility vary by lender, market, experience, credit profile and state. Business-purpose loans on non-owner-occupied property only. All loans are subject to lender review and approval.
Disclosure: Capital Lending Group, LLC is a loan broker, not the lender. We specialize in assisting businesses with the loan application process by connecting you with lenders who may provide financing. While we offer guidance and support throughout the application process, Capital Lending Group, LLC is not the lender and does not provide funding directly. Loan applications are subject to lender review and approval. Offerings and eligibility requirements vary by lender.
