Ground-Up Construction

Fast, flexible construction loans for residential development projects, structured for speed, certainty, and execution.

Ground-Up Residential Construction

When it comes to construction financing, a quick closing can mean the difference between a profitable project built on time and under budget or another lost opportunity.

Given the risk that comes with rapidly changing market conditions, Select Capital Funding’s deal certainty can be a game changer for the experienced builder. While banks are still in loan committee, Select Capital Funding’s construction borrowers are out of the ground and on their first or second draw.

Select Capital Funding’s construction loan program is designed to be one of the fastest and simplest financing solutions available today.

Prior to closing, we work closely with the applicant, owner, and builder to analyze the essential elements of the project, including budget, plans, specs, permit status, site conditions, GC, and the construction team.

After closing, we continue to work closely with the builder throughout the construction process through completion, delivering a high level of service and long-term relationship value.

Borrowing Entities and Credit Requirements

  • Owner-builder, spec, or custom home construction
  • Individuals, corporations, LLCs, partnerships, trusts, estates, and international investors
  • Ability to combine multiple borrowers or entities into a single transaction
  • Lending decisions based on overall project quality
  • Ground-up or broken priority situations considered

Property Types and Requirements

  • Spec residential — attached, detached, in-fill, high-end fix & flips, multifamily, or broken projects
  • Commercial projects may include acquisition financing and asset repositioning
  • Ground-up or construction completion financing available
  • Ability to finance acquisition along with construction

For Any Construction Purpose

Our construction financing supports a wide range of development strategies.

Ground-Up
Development

Completion &
Stabilization

Flexible
Capital Solutions

Simple Application Process

01

Submit Your Request

Call or email your Select Capital Funding underwriter to request your loan.

02

Apply Online

Apply online — fast and easy.

03

Build & Close

Move forward quickly with funding and begin construction execution.

Fast Execution When Timing Matters

Loan Details

 Construction financing designed to align with project timelines and execution.

Qualification is based on experience and credit score

Why Choose Select Capital Funding

In-House
Construction Oversight

We manage construction fund controls and inspections with an experienced in-house team.

Fast Draw
Process

Quick, flexible disbursements with approximately one-week turnaround on draw requests.

Flexible
Structuring

We structure financing solutions around your project and development needs.

Competitive
Rates

Flexible, market-driven rates designed to support project success.

Frequently Asked Questions

Common questions about our construction loan programs.

What types of construction projects do you finance?

We finance a range of ground-up residential construction projects including spec homes, custom builds, multifamily developments, and completion of stalled projects.

Yes. Select Capital Funding can structure loans that include both acquisition financing and construction costs.

We provide same-day turnaround on expressions of interest and can close quickly so projects can begin without delay.

Yes. We manage fund controls, inspections, and draw schedules through our in-house construction team.

Eligibility is based on the strength of the project, borrower experience, and overall credit profile.

Ready to Start Your Next Construction Project?

We provide fast, flexible construction financing solutions to help you move from planning to execution.

Not Ready to Apply Yet? Let’s Chat About How We Can Help.

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