Experience is preferred but not required. If you’re a first-time builder working with a licensed general contractor, we can still approve your project.

We fund new construction for single-family homes, duplexes, multi-family properties (up to 20 units), and small commercial projects across Georgia.

Pre-approvals are typically issued within 24–48 hours after submitting your project details. We can fund as fast as 7–14 business days depending on title and permitting.

Loan amounts typically range from $150,000 to over $5,000,000 depending on the location, project size, and borrower qualifications.

LTC stands for Loan-to-Cost. It refers to the percentage of your total construction budget that we will finance. We offer up to 85% LTC on most deals.

Funds are released in phases, known as ‘draws,’ based on your progress. Each draw is verified through inspections to confirm milestone completion.

Yes. If you already own the land or have significant equity, this can reduce or eliminate the need for an additional cash down payment.

We do a basic credit and background check, but approvals are primarily based on the deal—not your personal credit score.

You can still apply and receive a conditional approval. Full funding requires confirmation that permits are in process or approved.

Submit your project details through our [online application](/contact) or call (XXX) XXX-XXXX. A loan advisor will walk you through the next steps.