Construction Loans

Financing for Ground-Up & Partially Completed Projects

Hard Money Construction Loans

Hard money construction loans allow you to start or finish building a custom home or commercial building faster than going through a lengthy bank financing process. With as little 20% down of total cost, you can begin building within three weeks.

Ground-Up & Construction Completion
  • Ground-up construction and construction completion
  • Business Purpose Only (Spec Home, Multi-Family, Commercial, and Owner User)
  • Construction to bridge and permanent programs
  • Up to 85% loan-to-cost (LTC), including lot and build
  • Interest Reserve can be built in
  • Closing in as little as three weeks
  • 12–24 month term
  • No prepayment penalty
  • Special approvals for loans greater than $4 million

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply. 

Term Sheet:
New Construction
& Ground Up Construction

Term Sheet - Ground Up Construction - 2023v2

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