Finance your ground-up construction project with flexible draw schedules, interest-only payments, and bridge-to-perm options for investors and builders.
Our New Construction loan program funds ground-up residential and small commercial projects for builders and real estate investors. We finance up to 100% of construction cost (subject to LTV) with structured draw schedules tied to completion milestones.
From single-family spec builds to 1–4 unit residential and small multi-family, our construction loans are built around your build timeline, your budget, and your exit strategy — including seamless transition to a long-term DSCR loan upon completion.
Why investors choose this program
Finance the full build budget on qualifying deals.
Funds released as construction milestones are met.
Pay interest only during the construction period.
Roll into long-term financing on completion.
Decisions in days, not weeks.
SFR, townhouse, and small multi-family eligible.
Volume builder programs available.
Asset-based options available.
Funding in most Canadian provinces.
Pay off when you sell or refinance.
What you need to qualify
Detailed construction budget and scope of work
Architectural plans and permits in hand or in process
Builder resume / general contractor information
Land owned free and clear or under purchase contract
Property appraisal (as-completed value)
Borrower entity (LLC or Corp)
Builder’s risk insurance binder
Minimum credit score of 660
Liquid reserves for contingency
Exit strategy documentation (sale or refi)
Plan your draws and interest cost during the build.
For estimation purposes only. Contact us for exact terms.
Construction funds are released in pre-defined phases (typically 4–6 draws) tied to completion milestones such as foundation, framing, drywall, and final.
Yes. We offer bridge-to-perm options that transition seamlessly into a long-term DSCR loan when the build is complete.
No, but having a licensed general contractor with a track record significantly strengthens the application.
Most construction loans run 9–18 months depending on project size and scope.
A third-party inspector visits the site at each milestone to verify completion before funds are released.
Get pre-qualified in minutes. Our team responds within 24 hours.