New Construction Loans

Construction Loans for Ground-Up Projects

New construction financing for investors, builders, and developers looking for up to 85% loan-to-cost (LTC) on ground-up projects.

Construction Worker Building a Home

New Construction Loans Made Simple

Securing the right financing for ground-up construction can be complex. Our New Construction Loans simplify the process by keeping your project in mind. We offer competitive rates and flexible terms to support spec builds, redevelopments, and conversions, even with tight timelines.

Benefits of New Construction Loans

Our New Construction Loans were designed for investors, builders, and developers seeking reliable funding for ground-up projects. With fast closings and convenient draw schedules, you have flexibility to access project funds as needed and only pay interest on funds drawn.

Product Highlights

These key benefits of our New Construction Loans are designed to streamline your projects and optimize your cash flow:

  • Up to a 85% LTC
  • No reserves collected at closing
  • No interest on undrawn construction funds
  • 12- to 24-month term options available

Speak with a Loan Advisor

Financing from the Ground Up

New Construction Loans for Investors

We’ve got investors, builders, and developers covered as you navigate the intricacies of ground-up new construction real estate investments.

Fast Access to Capital

We’ve streamlined the approval process so investors can close quickly and scale their business faster.

More Flexible Terms

Our focus is on the property’s after-repair value, allowing us greater flexibility in loan terms, credit requirements, and leverage options.

Better Than A Bank

Unlike with traditional banks, we don’t require income verification, tax returns, or W-2s, simplifying the process.

Tailored Solutions with Proven Results

Featured Deals

  • New Construction

    Loan Amount

    $ 916,000

    Location

    Plainview, NY

  • New Construction

    Loan Amount

    $ 847,000

    Location

    North Bellmore, NY

  • New Construction

    Loan Amount

    $ 328,400

    Location

    Mantua Township, NJ

  • New Construction

    Loan Amount

    $ 2,293,097

    Location

    Fort Lauderdale, FL

  • New Construction

    Loan Amount

    $ 370,458

    Location

    Montrose, CO

  • New Construction

    Loan Amount

    $ 290,500

    Location

    Chattanooga, TN

  • New Construction

    Loan Amount

    $ 334,334

    Location

    Montrose, CO

  • New Construction

    Loan Amount

    $ 1,462,500

    Location

    Kailua-Kona, HI

  • New Construction

    Loan Amount

    $ 633,750

    Location

    Savannah, GA

  • New Construction

    Loan Amount

    $ 400,984

    Location

    Charlotte, NC

Trustpilot Reviews

Our Trustpilot reviews showcase real experiences from real borrowers, giving you confidence in LendingOne’s commitment to fast, reliable, and flexible financing.

Trustpilot

Hear From Satisfied Customers

Client Testimonials From Investors Like You

  • “Thank you!”
    “My wife and I worked with Sara and Sean and they’ve been so helpful throughout the entire process.”

    RJ

  • “The process went very well for me”
    “Justin and everyone else I spoke with were nice and friendly.”

    Carlos

  • “Customer support is awesome”
    “They get to know you and remember what your goals are and support you to achieve them!”

    Vernell

  • “Great service!”
    “Johnn Alvarez is great to work with. He’s professional and knowledgeable. I had a pleasure working with him twice already and he always comes through, making sure the process is smooth and straightforward. Can’t wait to use LendingOne again for my future lending needs.”

    Martyna

  • “Paul Farrington and his team are the very Best.”
    “Paul Farrington and his team are a joy to work with. It’s so refreshing to work with lenders who A) Understand the business and B) Are on your side, not some back office faceless droids working to complicate the process. Well done Paul and your team. its a 10 out of 10 from me.”

    David

  • “Professional all the way”
    “Very honest, constructive and has a “can do” attitude. Professional all the way. They make it happen, and very quickly. Unlike a bank where you beat your head againt the wall in frustration with the bureaucracy!”

    Tom

  • “Highly Recommend!”
    “Ed Kis was absolutely amazing! This was my first DSCR loan as a new investor and he was patient and explained the process to me step by step and walked me through to closing. Couldn’t be happier!”

    Melissa

  • “The loan process was fairly simple and in a timely manner”
    “The terms are competitive with our previous lenders. The loan application agent and processor are quick to answer questions or concerns. I would recommend LendingOne to other investors. Thank you”

    Michael

  • “Fast response time”
    “Several investing tools available. Friendly and helpful employees. Moved the loan process along in a timely manner. Trustworthy and great communication.”

    Oteria

  • “Great experience working with LendingOne”
    “Chace was professional and made the process seamless from start to finish. Looking forward to working with them again in the future!”

    Michael

Frequently Asked Questions

Find the answers to some commonly asked questions about our loans. For additional information, please visit our resource center.

Resource Center

How much leverage can I receive on a New Construction Loan?

LendingOne lends up to 85% LTC.

How much experience do I need to qualify for a New Construction Loan?

LendingOne requires borrowers to have completed at least one new construction/ground-up project in the last 36 months.

What property types do your new construction loans cover?

LendingOne provides New Construction Loans for the following property types:
1. Single Family Residence
2. 2-4 Unit Properties
3. Condominiums
4. Townhouses

Ready to Get Started?

We’re here to support you every step of the way. Let’s work together to achieve your goals.

Apply Now