SPEC Construction Loans

Are you a builder looking to take on more projects without worrying about upfront capital? Our SPEC Construction lending program is designed specifically for builders like you who want to construct homes in anticipation of selling them. With flexible financing options, up to a MAX of  90% loan-to-cost (LTC) or 75% loan-to-final ARV Value, this program can help you fund your entire construction project, from land acquisition to completion, with minimal out-of-pocket expenses.

Imagine being able to build more homes, faster, without having to secure buyers beforehand. With our loan options, you can focus on construction and selling, not on gathering funds. The 90% LTC option means you won’t need to tie up your own capital in the project, allowing you to reinvest in other opportunities or expand your operations. 

We understand that in the competitive homebuilding market, timing and cash flow are critical. Our SPEC Construction lending program is here to give you the financial support you need to maximize your potential, reduce your risk, and increase your profits. Whether you're a seasoned builder or just starting, this program is a game-changer that allows you to build and sell without being tied down by funding limitations.

The amount of financing available is determined by the builder's experience level building projects in the US.  Builders with less experience will have lower Loan to Value (LTV) financing limits.  We even offer options for new investors and foreign nationals.

Let us help you bring your next project to life. With our financing options, you’ll have the confidence and resources to take on more homes, more projects, and more opportunities. Reach out today to learn how our SPEC Construction lending program can work for you!