What Is a Ground Up Construction Loan?
A Ground Up Construction Loan is a short-term financing solution designed for builders, developers, and real estate investors who are constructing a new property from scratch — whether that's a single-family home, a multi-family building, a spec home, or a large commercial development. No credit check required to get started.
Unlike traditional bank construction loans, our hard money construction loan programs fund the project in draws as work is completed — and cover land costs and soft costs like permits, architectural drawings, and engineering reports. Genesis Commercial Loans represents YOU — the borrower — and works to place you in the best construction loan program for your project, your timeline, and your budget. We serve builders and developers in all 50 states, Canada, and the Caribbean.
Ground Up Construction Loan Program Details
Ground Up Construction Loan Program
We finance up to 90% of the total project cost including land and soft costs. No credit check required. Deferred interest and deferred closing costs available if you qualify. Fast approvals — we represent you through the entire process.
Max Financing
Up to 90% of total cost
Loan Range
$50K – $500M
Geography
All 50 states, Canada & Caribbean
Interest
Deferred until sale or refi
Closing Costs
Deferred if you qualify
Credit Check
No credit check required
What's Included
Up to 90% of total project cost financed — including land
Land costs included — no need to own the land before applying
Soft costs covered — permits, architectural drawings, engineering & more
Hard construction costs fully funded via draw schedule
Deferred interest — accrues during construction, paid at sale or refinance
No credit check required — bad credit and first-time builders welcome
Property Types We Finance
Single-family residential homes — new construction
Multi-family buildings (2–4 units)
Apartment buildings & condominiums
Mixed-use developments
Commercial & industrial buildings
Custom homes, spec homes & mini homes
How Our Construction Loan Process Works
01
Contact Us — No Obligation
Call, text, or email us. We'll discuss your construction project, timeline, and financing needs — no credit check, no obligation to get started.
02
We Review Your Project
We analyze your deal and connect you with the right hard money construction loan program through our network of lenders — matched to your specific project type, location, and budget.
03
Get Approved Fast
We represent you through the approval process, advocating on your behalf to get you the best construction loan terms possible. Faster approvals than traditional banks.
04
Funds Released in Draws
Construction funds are released in draws as work is completed and inspected, keeping your project moving forward from groundbreaking to completion.
Ground Up Construction Loan — Frequently Asked Questions
Ready to Break Ground?
Available 7 days a week — call, text, or email us today. No credit check to get started.