Build From the Ground Up
Fast & Flexible Construction Financing
Private Lender Center handles Ground-Up Construction financing (GUC) is designed for real estate investors and builders seeking capital for new construction projects, including single-family builds, multifamily developments, and major structural expansions.
These loans are structured as short-term, interest-only financing that can cover both land acquisition and construction costs. This allows developers to execute projects from the ground up and exit through sale or refinance upon completion.
Through Private Lender Center, borrowers are connected with actively funding lending partners offering flexible construction loan programs. Financing decisions are driven by the strength of the project, builder experience, and projected completed value (ARV)—not solely personal income.
Construction funds are distributed through a structured draw process, with capital released in stages as milestones are completed and verified. In many cases, advanced draw technology allows for rapid fund disbursement, helping keep projects on schedule.
WHO IS THIS FOR?
- Real estate investors building spec homes
- Builders developing single-family or small multi-unit projects
- Developers working on shovel-ready or entitled land
- Contractor's scaling construction pipelines
- Investors transitioning from fix & flip into ground-up builds
If your project has clear scope, timeline, and exit strategy – We can fund it.
PROGRAM HIGHLIGHTS
- Up to 65% – 70% Loan-to-Land Value
- Up to 85% – 90% Loan-to-Cost (LTC)
- Up to 70% – 75% Loan-to-ARV (ARV)
- Interest Rates: Starting around 9.25% – 12.50%+
- Points: Typically 2.5 – 4.5
- Loan Terms: 12 – 24 months
- Payments: Interest-only during construction
- Construction Draws: Stage-based funding with inspection verification
- Minimum Credit Score: Typically 660+
- Experience: Builder experience or qualified GC typically required
Funding is released in stages based on construction milestones, helping ensure your project stays on budget and on schedule.
How Does it Work?
1. Submit Your Deal
Provide basic project details, scope of work, budget, and property info.
2. Review & Approval
We evaluate your project, experience, and exit strategy. Most deals receive feedback quickly.
3. Fund & Build
Once approved, funding is structured into draws so you can begin construction immediately and access capital as work is completed.
What We Fund?
Eligible Projects Include:
- Ground-Up Single-Family Construction
- Spec Home Development
- 2–4 Unit Residential Builds
- Small Multifamily Development
- Teardown & Rebuild Projects
- Major Additions & Expansions
WHY PRIVATE LENDERS CENTER?
Faster Than banks. Built for Real Estate Investors.
Traditional lenders move slowly and require extensive documentation.
Private Lending Focus
Private lending focuses on:
• Asset value
• Project viability
• Builder experience
• Exit strategy
Benefits
This allows for:
• Faster approvals
• Less paperwork
• More flexibility
• Competitive leverage on strong deals
Ready to Build Your Next Project?
Ground-up construction financing is structured around execution—prioritizing project feasibility, budget, timeline, and end value. This asset-based approach allows developers to secure capital based on the strength of the deal and their ability to deliver a successful project.
Your Key to Fast and Reliable Funding.
We provide fast and reliable financing solutions for real estate investors and developers. As a private lending company, we understand the unique needs and challenges faced by real estate professionals, and we’re here to help you achieve your investment goals
Let’s Get In Touch
Clark Capital Group, LLC and PrivateLenderCenter.com
DO NOT FUND OWNER OCCUPIED RESIDENTAIL HOMES.
WE FUND BUSINESS PURPOSE LOAN ONLY FOR RESDIENTIAL TRANSITION AND COMMERICAL LOANS.
*We do not fund in AK, AZ, CA, HI, MN, ND, NV, OR, SD, UT, & VT
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