Published terms, read October 29, 2026
Ground-up construction loans: what experience each lender wants
Experience is the first gate on a construction loan, before credit or leverage. Some lenders want a prior ground-up build on your title, some count a general contractor's permitted builds or past flips, and a few lend to first-time builders at lower limits.
| Lender | Experience | Max loan-to-cost | Loan size |
|---|---|---|---|
| Doors FundedOur programs | 1-2 prior ground-up builds | 85% | $50,000 to $3 million |
| Kiavi | Not published for this product | 85% | $150,000 to $10 million |
| Lima One Capital | Required: ground-up (on title or as GC) or fix-and-flip | 90% | $100,000 to $5 million |
| RCN Capital | Not required; tiers by projects built | 90% | $100,000 to $2 million |
| LendingOne | At least one ground-up project in the last 36 months | 90% | Up to $40 million |
| Easy Street Capital | Not published | 90% | $75,000 to $5 million |
| CoreVest | Not published | Not published | $250,000 to $7.5 million |
| New Silver | Not published | 90% | $100,000 to $5 million |
| Dominion Financial | No set minimum | 90% | Not published |
| Temple View Capital | Required (program is for experienced builders and investors) | 90% | $200,000 to $7.5 million |
| Asset Based Lending | Prior ground-up experience reviewed (qualifying project completed and sold or refinanced within 36 months); not stated as a hard requirement | Not published | $75,000 to $50 million |
What to check before you apply
- Bring the build team with the application: a general contractor with permitted builds can stand in for your own experience at several lenders.
- Ask how land is treated. Most lenders advance a share of land value and 100% of vertical costs in draws, so your equity is in the land.
- Model the interest on drawn funds and the time to sell or refinance in the construction calculator.
Each lender's figures, with the page it came from, are on its own page: follow the name in the table. Every lender prices each deal, and the term sheet you get is what counts.
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