Ground-Up Construction Loans

For experienced builders and developers, SQR Capital’s Ground-Up Construction Loans provide the funding needed to take projects from raw land to completed assets. Whether you're building infill homes or small residential portfolios, we offer structured financing with flexible terms, reliable draws, and efficient closings to help you break ground with confidence.

Up to 85% loan-to-cost (LTC)
Terms of 12, 18, or 24 months with interest-only payments
Must be a licensed General Contractor with proven experience
Funding available for purchase + construction or refinance + construction
Appraisal may be deferred until plans are finalized

Eligible Property Types

We fund new residential construction projects in both urban and suburban environments, including:

Single Family Homes
Duplex, Triplex, Quadplex
Townhomes
Spec Homes

Program Terms

Loan Amount	$150,000 to $6,000,000
Minimum Credit	680
Rates	9.99% – 13.99%
Points	2–4%
Payment	Monthly, Interest Only; No Prepay Penalty
Loan to Land Purchase (AILTV)	Up to 60%
Loan to Cost (LTC)	Up to 85%
After Repair Value (ARV)	Up to 70%
Term	12, 18 or 24 Months
Location	Infill Construction in Urban/Suburban Areas
Experience	GC License + Built Projects in Last 36 Months
Eligible Loan Types	Purchase+Construction, Refinance+Construction

Closing Costs

We offer transparent and competitive pricing to get your project started smoothly:

Document Preparation Fee – $1,995.00
Legal/Recording Fee – $695.00
Appraisal – TBD (varies by location & project stage)

Additional Requirements

To start a Ground-Up Construction loan with SQR Capital, you’ll typically need:

Loan Application
Purchase Contract (if applicable)
REO Schedule (Experience Summary)
Property Insurance
Identification + Entity Docs
Construction Budget
Appraisal (or plans if pre-appraisal)
Building Plans
Permits (if applicable)

“Start from the ground up — we’ll build funding with you.”