Ground-Up
Construction Loans
For real estate investors and developers
New Construc
tions
Build from the ground up with the financial backing your project needs.
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 o 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.opportunities.
Competitive financing: Up to 85% of total project costs and up to 70% of the After Construction 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: 700.
Signed loan application.
Purchase contract (if applicable).
Alto Capital’s simple
ground up constructions loan process
ONLINE
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EVALUATION
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Get the financial backing your real estate investment needs.
