Hedge Wealth Capital
Investor Construction Financing

Ground-Up Construction Loans for Investors 

Take a shovel-ready site from entitled land to finished building with one lender. Hedge Wealth Capital finances land, site work and vertical construction, then helps you move into long-term financing when the build is done.

Find Out If You PrequalifyCall 1-800-674-3804
Timber roof trusses on a new home under construction

Program snapshot

Loan-to-cost
90%
Loan-to-cost
Of vertical costs
100%
Of vertical costs
Draws funded as fast as
3 Days
Draws funded as fast as
States served
50 + DC
States served

What a Ground-Up Construction Loan Covers

A construction budget has three very different stages, and each one carries different risk. We size each stage separately, so you can see where the loan funds the work and where your own capital goes in.

Total leverage reaches up to 90% loan-to-cost and up to 70% of after-completed value (ACV). Your final numbers depend on the site, the budget and the plan, and are set in underwriting.

Newly built three-story residential building at dusk

Entitled land

Up to 50% of the acquisition cost of land that is ready to build.

Horizontal development

Up to 75% of site work such as grading, utilities and roads.

Vertical construction

Up to 100% of the cost of the structure itself.

Land you already own

Reimbursement of cost basis on free-and-clear land returns capital already in the site.

Projects We Finance

We lend on investor-owned residential projects: single-family spec homes, multifamily buildings, scattered-site developments and subdivisions. The project needs to be shovel-ready, which means your plans and entitlements are in place when you come to us.

If your project is a heavy renovation rather than a new build, a hard money loan or an ARV loan is usually the better fit. Compare every option on our loan programs page.

How Construction Draws Work

Construction funds are released in stages as work is completed, not as one lump sum at closing. You pay for a completed phase, request a draw, and once it is reviewed the funds are released, in as little as 3 business days.

Plan your cash flow around that cycle. Subcontractor payment timing and the sequence of your budget matter as much as the loan amount, so walk us through your schedule before you close.

Step by Step

From Site to Stabilized in Four Steps 

1

Share the project

Send the site address, plans, budget and timeline.

2

Get your terms

We review the deal in-house and size each stage of the budget.

3

Close and build

Close the loan, start work and request draws as phases are completed.

4

Sell or refinance

Sell the finished property or move it onto a 30-year DSCR loan.

Compare

Construction Loan vs. Fix and Flip Loan 

Both fund work in stages. The difference is whether a building already exists.

Starting point

Ground-up construction: Entitled land, ready to build

Hard money fix & flip: Existing property to renovate

Leverage

Ground-up construction: Up to 90% LTC

Hard money fix & flip: Up to 100% LTC, ARV capped

How funds release

Ground-up construction: Draws as phases are completed

Hard money fix & flip: Purchase at closing, rehab in draws

Learn more

Ground-up construction: You are here

Hard money fix & flip: Hard money loans

FAQ

Frequently Asked Questions 

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

Up to 90% of total project cost and up to 70% of after-completed value, with separate limits for land, horizontal development and vertical construction. Final terms are set in underwriting.

Related Programs

Keep Exploring Financing Options 

Construction worker framing a new building financed with a bridge loanShort-Term Bridge Capital

Bridge Loans

Short-term bridge loans for investment property: up to 90% LTC on multifamily and new construction, with closings in as little as 7 days in all 50 states.

Explore Bridge Loans
Multifamily apartment building financed with a bridge loan5–10 Unit Value-Add

Multifamily Bridge Loans

Multifamily bridge loans for 5–10 unit value-add deals: purchase and rehab financing up to 90% LTC, no appraisal required, closings in as little as 7 days.

Explore Multifamily Bridge Loans
Single-family rental home financed with a 30-year DSCR loan30-Year Rental Loans

DSCR Loans

30-year fixed DSCR loans that qualify on rental cash flow, not personal income. Up to 80% LTV, 680+ FICO, no tax returns or W-2s, in all 50 states.

Explore DSCR Loans

Talk With HWC 

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You PrequalifyCall 1-800-674-3804