Financing Built for Real Estate Developers
Development projects require a different kind of financing approach, one that accounts for construction timelines, draw schedules, and the difference between loan-to-cost and loan-to-value. Most conventional lenders lack the expertise or appetite for ground-up construction deals. Surge Financial works with specialized construction capital sources with direct experience in ground-up development.
From single-family spec homes to multifamily apartment buildings and commercial developments, our lender network covers the full range of residential and commercial construction. We help structure the right loan size, LTC, and draw schedule for your specific project.
AT A GLANCE
Common Funding Needs
Every business in this industry has unique capital needs. Here are the most common reasons our clients seek funding.
Land Acquisition
Financing the purchase of entitled or unentitled land as part of a development project.
Vertical Construction
Funding the full cost of construction from foundation to completion.
Spec Home Financing
Building single-family or multi-family spec homes for resale.
Infill Development
Financing smaller urban infill projects where traditional construction lenders often will not go.
Pre-Sale Bridging
Short-term capital to get a project to certificate of occupancy before permanent financing kicks in.
Recommended Funding Solutions
Ground-Up Construction Loans
Primary product. Covers land and vertical construction. Draw schedule tied to milestones. Up to 85% LTC.
Learn More →Bridge Loans
For lot acquisition, pre-development costs, or bridging from construction completion to permanent financing.
Learn More →Non-QM Loans
For developers whose personal income profile does not fit conventional lending criteria.
Learn More →General Requirements
Requirements vary by product. Final approval is determined by the lender.