Ground-Up Construction Loan
Fund the build, draw by draw.
Ground-up construction financing released in draws as the work gets done. On many programs you pay interest only on the money actually drawn, not the full loan.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Why Construction
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Investors and builders putting up new residential or small commercial projects, and business owners building an owner-occupied facility who want one loan from construction through permanent financing.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Leverage | Up to about 85% of cost, capped near 70% of completed value |
|---|---|
| Draws | Released against inspections as the work progresses |
| Experience | Builder track record matters; a licensed general contractor is expected |
| Owner-occupied | Construction-to-permanent through bank and SBA 504 programs |
| Paperwork | Plans, permits, budget, draw schedule, builder information |
| How fast | Usually three to six weeks to close, depending on plans and permits. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for ground-up construction loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 03Subject property address & detailsproperty
- 04Property insurance quote / binderproperty
- 05Entity docs (operating agreement, EIN letter)entity
- 062 months bank statements (reserves & cash to close)bank
- 07Construction budget & draw scheduleproperty
- 08Plans & permitsproperty
Industries we often advise on for Ground-Up Construction Loan
Where ground-up construction loan is one of the best-fit options for how the business earns.
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