Ground-Up Construction Loans
For real estate investors and developers
New Constructions
Build from the ground up with the financial backing your projects need.
We offer agile and structured construction financing for real estate developers and investors launching residential projects from scratch.
A Ground-Up Construction Loan is designed to provide experienced builders and real estate investors with the capital required to start new developments, offering flexible evaluations, funding in phases, and a faster closing process than conventional financing.
Why choose our ground up constructions loans
Fast closings: Get your project funded in 10-14 days
Competitive financing: Up to 85% of total project costs and up to 75% of the After Repair Value (ARV)
No prepayment penalties: Pay off your loan anytime without extra fees
We accept international investors
Quick disbursements to keep your project on track
Ground Up Constructions Loan Requirements 
Bank statements: Last 3 months.
Official ID: Passport, visa (for foreign investors).
Business documents: LLC or Corp registration, EIN, and operating agreement.
Renovation budget (if applicable).
Liquidity reserves: 6 months of cash reserves.
Non-owner occupancy certification.
Credit report & background check: SSN required.
Insurance coverage: Full replacement coverage + $500K liability, plus builder’s risk insurance (if applicable)
Minimum credit score: 680
Signed loan application.
Purchase contract (if applicable).
Alto Capital’s simple
ground up constructions loan process
ONLINE
APPLICATION
QUICK
EVALUATION
FAST
CLOSING
DRAW
SCHEDULE
Ground Up Construction Loans FAQ
What’s the difference between a ground-up construction loan and a renovation loan?
A ground-up construction loan finances an entirely new build—from land acquisition (if needed) through completion—while renovation loans fund updates to existing structures. Alto Capital specializes in ground-up financing for real estate investors, not just remodels.
Can I get funding if I only have the land but no construction permits yet?
Yes, but full loan approval typically depends on having construction plans, budget estimates, and permits in progress or secured. At Alto Capital, we can work with investors early in the process and structure the draw schedule to match your timeline.
Do I need to have construction experience to qualify for a ground-up loan?
Not always. While experience helps, many of our clients are investors who hire licensed general contractors to manage builds. Alto Capital focuses on the strength of your project plan, the builder’s qualifications, and your exit or refinance strategy.
How are funds disbursed in a ground-up construction loan?
Funds are released in phased draws—usually tied to milestones like foundation, framing, rough-in, and final inspections. At Alto Capital, we make this process seamless with fast draw approvals and on-site inspections when needed, helping keep projects on track.
What are the biggest risks with ground-up construction—and how can financing help?
Time delays and budget overruns are the most common risks. Having the right loan structure is key. Alto Capital helps investors plan for contingencies and avoid funding gaps with a customized draw schedule and flexible terms that support real-world builds.
Can I refinance my ground-up construction loan once the build is complete?
Absolutely. This is called an exit strategy—most investors either sell the finished property or refinance into a long-term rental loan (such as a DSCR loan). Alto Capital can help with both the build and your next step in the investment cycle.
Apply now
Get the financial backing your real estate investment needs
