GROUND-UP CONSTRUCTION · LAND + VERTICAL BUILD

Break ground.
We fund the build.

Closector matches your ground-up deal with the lender in our network for land acquisition plus vertical construction — draws tied to build milestones. One submission, real terms, no runaround.

PROGRAM HIGHLIGHTS GROUND UP
GROUND UP✓ Mid-construction financing
GROUND UP✓ ADU (accessory dwelling unit)
GROUND UP✓ Foreign national eligible
GROUND UP✓ Loan amounts up to $10M
8%–13%
Representative rate range*
*Representative range for business-purpose ground-up construction loans as of September 2026. Actual rate depends on experience, scope, and the lender matched to your deal.
REPRESENTATIVE DEAL FLOW
LOAN PROGRAM

Break Ground. We Fund the Build.

Business-purpose only — built for investors, not owner-occupants. Terms shown are representative and subject to underwriting.

GROUND UP

Break Ground. We Fund the Build.

Land acquisition and vertical construction in a single facility, with a draw schedule tied to build milestones.

✓ Mid-construction financing
✓ ADU (accessory dwelling unit)
✓ Foreign national eligible
✓ Loan amounts up to $10M
REPRESENTATIVE TERMS
8%–13%
Representative Rate*
85% / 100%
Land / Construction LTC*
Up to 70%
Max LTV of ARV
12–18 Mo
Typical Term*
*Representative ranges based on current business-purpose lending market conditions as of September 2026. Actual rate, leverage, and credit requirements depend on the specific lender matched to your deal and are not a commitment to lend.
GET YOUR TERMS

Tell us about the deal.

No commitment, no hard credit pull. Takes about two minutes.

STEP 1 OF 5

What's your investing experience?

This helps us match you with lenders whose experience requirements fit.
First deal
This is my first investment deal
Some experience
2–5 deals in the last 3 years
Experienced
6–10 deals in the last 3 years
Highly experienced
10+ deals in the last 3 years

What are you financing?

Choose the program that fits, then the transaction type.
DSCR Rental
Long-term hold, qualify on rental income
Fix & Flip
Acquisition + renovation, short term
Ground-Up Construction
Land + vertical build
Bridge
Fast, short-term capital
Purchase
Refinance
Cash-Out Refi

Property details

Basic information about the subject property.
Mid-construction
Build already started, needs completion
Uninhabitable
No certificate of occupancy, missing utilities
Rural area
Limited comps or low population density
Unique property
Log cabin, earthship, geodesic, mixed-use, etc.
Prior damage
Fire, water, or structural damage on record
Title / zoning issue
Open lien, boundary dispute, non-conforming use
Off-grid utilities
Septic, well water, solar-only, no municipal hookup
Foreign national
Borrower is a non-U.S. citizen or resident
Other
Something else not listed here

Construction scope

Details about what's being built and where it stands.

Renovation scope

Details about the planned rehab work.

Deal numbers

Figures used to size the loan.
Sell
Hold

Rental income & expenses

Used to calculate the property's debt service coverage ratio (DSCR).

Anything else we should know?

Optional — add any additional deal details, context, or notes for the lender.

Almost done

Where should we send your terms?
✓

Deal submitted.

A member of our team will follow up with indicative terms within one business day.
Complete Full Application →
4
Loan Programs
50
States Covered
24h
Typical Term Sheet Turnaround
10d
Fastest Closings