Build From the Ground Up with Confidence
At Hard Money Loans, we empower builders and real estate investors to bring new construction projects to life with fast, reliable funding. Our Ground-Up Construction Loans are designed for residential and mixed-use developments that require speed, flexibility, and industry expertise — not endless paperwork and red tape.
Whether you’re building single-family homes, multi-family units, or small developments, our team provides tailored financing solutions to help you move seamlessly from land acquisition to completion.
Why Choose Our Ground-Up Construction Loans
We understand that every construction project is unique — that’s why our loans are structured to fit your timeline, budget, and build goals.
Fast Funding with Simple Qualification
Close in as little as 7–10 days with minimal documentation.
Up to 75% Loan-to-Cost (LTC)
Generous funding for both land and construction costs.
Interest-Only Payments During Construction
Keep your cash flow strong while your project progresses.
Flexible Exit Options
Sell, refinance, or transition to a rental loan — whatever suits your strategy.
Expert Support Throughout the Build
Our team understands development timelines and works with you at every stage.
Loan Highlights
| Feature | Details |
|---|---|
| Loan Amount | $250,000 – $20,000,000+ |
| LTC (Loan-to-Cost) | Up to 75% |
| LTV (Loan-to-Value) | Up to 70% of completed value |
| Interest Rate | Starting at 5.99% |
| Term | 12 to 24 months |
| Draw Schedule | Funds released in stages as work progresses |
| Closing Time | Typically within 7–10 business days |
Ideal For
How It Works
- Submit Your Project Details
Provide your plans, cost breakdown, and timeline. - Quick Review & Conditional Approval
We assess your project potential and provide fast pre-approval. - Close and Fund the First Draw
Funds are released promptly so you can start building right away. - Draws Based on Progress
Additional funds are disbursed as construction milestones are met. - Complete, Sell, or Refinance
Once the project is done, you can repay through sale or refinance into a long-term loan.