Loan Overview
Ground Up
Ground-Up Construction Financing Made Simple
Our new construction loans are built for residential real estate investors and developers. With flexible terms, streamlined approvals, and funding that covers everything from land purchase to final build, we help you move projects forward with confidence.
Term
9 – 12 Months + Extension
Loan Amount
$100k to $5M
LTC
Up to 85%
Cost Breakdown
Up to 60% of Purchase & 100% of Build
Property Types
- Non-Owner Occupied
- Single Family Residential
- Condo 1–4 Units
- Townhome 1–4 Units
- ADU Conversions Okay
Our Lending Process
Streamlined Steps to Secure Fast Funding
At Equity Backers, we’ve designed our lending process to be efficient and straightforward. From your initial inquiry to securing funding, we focus on providing a seamless experience that minimizes delays and maximizes convenience. Our team works quickly to evaluate your needs, customize a loan solution, and get the capital you need as fast as possible. Whether you’re acquiring a property, refinancing, or funding a project, our process ensures you can move forward with confidence and speed.
Step One
Submit Your Loan Request
Begin by sharing key details about your real estate investment project. Our streamlined inquiry process gives you a fast, preliminary quote. You’ll then be connected with an experienced Account Executive to explore the best financing options tailored to your goals.
Step Two
Compile The Complete Loan File
Processing is the collection of all documents relevant to the deal. Ensuring your file is complete and properly qualified for underwriting—maximizing your leverage potential and keeping your loan on track.
Step Three
Analyze Deal Specifications
Our underwriting team reviews the complete loan file prepared during processing in order to qualify the deal for the investor. We carefully assess documentation and risks to structure terms that maximize leverage and accessibility.
Step Four
Close The Deal & Move Forward
Once the loan is mutually approved, we coordinate with all parties involved to ensure a smooth closing process. Funds are disbursed promptly, empowering you to start or continue your project on schedule with confidence and peace of mind.
Flexible Financing for Profitable Property Flips
Our Fix and Flip loans are designed for real estate investors who need fast, reliable funding. Whether you’re purchasing, renovating, or preparing to sell, we offer competitive rates, quick approvals, and customizable terms that align with your strategy and timeline. Let us help you move from acquisition to sale with confidence.
Fast Real Estate Loan Pre-Approval
Equity Backers provides a detailed loan term sheet within 24 hours, giving you early insight into loan terms. This fast turnaround lets you move quickly and confidently, whether you're purchasing, rehabbing, or refinancing. We ensure you never wait on paperwork, helping you stay competitive in a fast-moving market.
Get Funded in 48 hours
Our streamlined process helps you close in as little as 48 hours after all documentation is submitted. Whether acquiring, refinancing, or repositioning assets, we ensure you get the capital you need quickly. With efficient underwriting and clear documentation, we eliminate delays so you can seize opportunities and outpace competitors.
Pay Interest Only on What You Use
With our draw-based lending, you only pay interest on the funds you draw, not the entire loan amount. This flexible model improves cash flow, reduces borrowing costs, and maximizes returns. Ideal for funding renovations or managing multiple properties, it keeps your project lean while maintaining liquidity.
Full Construction Financing Covered
Equity Backers provides capital to upgrade and improve properties without using your own funds. Whether flipping or enhancing rentals, our renovation financing helps you complete projects faster and more profitably. With fewer upfront costs and simple disbursements, we handle the funding while you focus on increasing property value.
Have Questions About Fix-and-Flip Loans? We Have Answers
What types of projects qualify for ground-up construction financing?
We can fund your Fix & Flip loan in as little as 7 business days from application to closing. Our streamlined process is designed for speed, helping you move fast on time-sensitive investment opportunities.
How much can I borrow for a ground-up construction loan?
Loan amounts depend on project size, location, and borrower qualifications. Typically, we offer up to 85% of total project costs or 75% of after-construction value (ARV).
How is the loan disbursed during construction?
Funds are released in phases through a draw schedule. As construction milestones are completed and verified, additional funds are made available to keep your build moving forward.
What’s the typical term length for a ground-up loan?
Terms usually range from 9 to 12 months, depending on the project timeline. Extensions may be available based on progress and market conditions.
Do I need prior experience to qualify?
While prior experience helps, it’s not required. We evaluate each borrower holistically—considering credit, liquidity, and the project’s strength. First-time flippers with solid plans are welcome.
Can I use a ground-up construction loan for a spec build?
Yes. We work with investors building on spec, provided the project has a clear exit strategy—whether it’s a future sale or refinancing into long-term rental financing.