Ground-Up Construction Financing Built for Florida Builders
From permit to certificate of occupancy—with milestone-based draws that keep your crew working and your builds on schedule.
Traditional bank financing slows down your momentum with rigid underwriting, endless paperwork, and processing delays that can drag out for 60 to 90 days.
In Florida’s fast-moving development market, waiting on a bank means missing out on your next plot of land or losing sub-contractors to competing projects.
At FloridaConstruction.loans, we offer institutional-grade private capital structured explicitly for real estate investors and builders who prioritize speed, execution, and flexibility.
We Cover Several States !
PRO BUILDER FINANCING
Our Pro Builder program provides bespoke capital solutions
for larger real estate projects.
- SIZE: Up to $70MM in total financing, with up to $30MM per phase via revolving credit line
- LOAN TYPES: Acquisitions, Horizontal and Vertical Construction, Construction Completion
- PROPERTY TYPES: Build-to-Rent and Build-to-Sell Communities; Condominium, Mixed Use & Multifamily Projects
- TERMS: 6 – 30 Months Extensions Available
- POSITION: First Lien
- LTC: <75%
- LTV: <65%
- FEATURES: No Prepayment Penalty One Approval for Phased Projects
SFR FINANCING
We deliver custom loans for single family residential
investment projects.
- SIZE: $1,500,000 – $20,000,000
- LOAN TYPES: Bridge, Construction, Renovation
- PROPERTY TYPES: Single Family, 2 – 4 Unit Properties
- TERMS: 6 – 24 Months Extensions Available
- POSITION: First Lien
- LTC: Loans <$5MM: < 85%1 Loans $5MM+: <75%
- LTV: Loans <$5MM: < 75%1 Loans $5MM+: <65%
- FEATURES: Interest Only No Prepayment Penalty
SMALLER SINGLE HOMES
We deliver custom loans for single family residential
investment projects, for smaller homes and investments.
- SIZE: $150,000 – $3,000,000
- LOAN TYPES: Bridge, Construction, Renovation
- PROPERTY TYPES: Single Family, 2 – 4 Unit Properties
- TERMS: 6 – 24 Months Extensions Available
- POSITION: First Lien
- 75% Land purchase (if permitted)
- 60% Land purchase (if NOT permitted)
- 100% construction costs
- 90% LTFC max with financed IR
- 70% ARLTV max
- FEATURES: Interest Only No Prepayment Penalty
- Option to finance interest reserves
- Build-ready lots in urban locales
MULTIFAMILY FINANCING
We provide flexible financing for multifamily investment
projects.
- SIZE: $500,000 – $20,000,000
- LOAN TYPES: Bridge, Construction, Renovation
- PROPERTY TYPES: 5+ Unit Properties; Apartments; Build-to-Rent Communities
- TERMS: 6 – 30 Months Extensions Available
- POSITION: First Lien
- LTC: Loans <$5MM: < 80% Loans $5MM+: <75%
- LTV: Loans <$5MM: < 70% Loans $5MM+: <65%
- FEATURES: Interest Only No Prepayment Penalty
The Strategic Edge: Construction Loan Guidelines
Whether you are breaking ground on a single-family spec home in Tampa Bay, a luxury townhome community in Orlando, or a mixed-use multifamily mid-rise in South Florida, our programs scale alongside your project portfolio.
Competitive Pricing
Target rates ranging between 9% – 12% based on experience and leverage.
High-Leverage Execution
Max leverage options reaching up to 85% LTC (Loan-to-Cost).
Flexible Horizons
Structural terms ranging from 6 to 24 months to match your realistic build timeline.
Diverse Property Types
Financing available for Single-Family Specs, Multi-Family Developments, Townhomes, and Mixed-Use vertical builds.
Does the borrower need construction experience?
- License & Insurance: Copy of their active state/local contractor license and certificate of general liability/workers' comp insurance.
- Company Information: W-9 and basic business entity details.
- Track Record & References: Summary of past completed projects, client references, and confirmation of no significant liens or active lawsuits.
- Project Documents: Executed construction contract, detailed line-item budget, project timeline, and architectural plans/specs.
- Financial Capability: Basic financial statements or credit review to ensure they can manage cash flow throughout the build.
Gathering these items early ensures the contractor approval process runs smoothly without delaying your closing or initial draw.
Construction Loan Application
For ground-up and construction projects
Thank you!
Ground-Up Financing
Fund new construction from foundation to finish on residential and mixed-use projects.
Milestone-Based Draws
Capital is released as each project phase completes, so your subcontractors get paid on time.
Interest-Only Payments
Preserve project cash flow — you only pay interest on the funds actually drawn down.
Cross Collateralization
Unlock hidden equity in your existing portfolio to reduce out-of-pocket cash requirements.
Frequently Asked Questions
How does the milestone construction draw process work?
Our draw process is streamlined to keep your project moving forward. Rather than following rigid dates, draws are initiated when specific project milestones (such as foundation pour, framing completion, or dry-in status) are reached. A rapid inspection verifies completion, and the requested capital is released quickly to prevent site downtime.
Do I need to have active building permits in hand before applying?
We can review plans, track records, and provide soft quotes prior to final permit approval. However, to execute our accelerated 48-hour closing program, valid building permits must be issued and ready for verification at the time of underwriting.
What is the maximum project budget or loan size you fund?
Our flexible capital structures can support project sizes ranging all the way up to $25 Million. This allows us to scale smoothly from small scattered-site infill residential developments to major multi-unit urban infill projects.
Can I secure financing if I already own the development lot?
Absolutely. If you own the land outright or hold substantial equity in it, that raw equity can be directly credited toward your cash-to-close requirements, minimizing or completely eliminating additional out-of-pocket capital injections.