What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

What documents do I need to get a construction loan?

Key items include: property address and land purchase contract or deed, project plans and specifications, construction budget with contractor bids, contractor credentials and license, developer experience summary, and exit strategy (presales, refinance, or rental income). Our team will walk you through everything needed for your specific project.

Do I need to own the land before getting a construction loan?

Not always. Many construction loan programs allow you to acquire the land simultaneously with the construction financing — in a single closing. The land value may count toward your equity contribution.

What's the difference between loan-to-cost and loan-to-value for construction?

Loan-to-cost (LTC) is the loan amount as a percentage of your total project cost (land + construction). Loan-to-value (LTV or LTARV) is the loan amount as a percentage of the completed property's estimated value. Most programs use both metrics — typically 85% LTC and 70% of completed value, whichever is lower.

Real Estate FinancingGround-Up Construction Loans: New Build Financing for Developers and Investors

Ground-Up Construction Loans: New Build Financing for Developers and Investors

Construction financing for spec homes, multifamily, and commercial projects. Loan-to-cost up to 85%. Nationwide.

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Up to 85%

Loan-to-Cost

Residential & Commercial

Properties

Draw Schedule

Funding

12–24 Months

Construction Terms

Overview

Financing Ground-Up Construction Loans: New Build Financing for Developers and Investors

Building from the ground up requires a financing partner who understands construction: draws, timelines, entitlements, and exit strategies. Surge Financial advises on construction capital from sources with direct experience in ground-up development who move at the pace developers need.

Loan Programs

Available Financing Options

Loan programs available for Ground-Up Construction Loans: New Build Financing for Developers and Investors properties.

Ground-Up Construction Loans

Covers land acquisition and vertical construction through a draw schedule tied to project milestones. Available for residential and commercial projects.

Bridge Loans (Pre-Construction)

Cover the cost of acquiring land, entitling it, and preparing for vertical construction while the construction loan is being arranged.

Why Surge

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

5 days

Fastest close time

80%

Max LTV available

Upfront fees

All 50

States covered

Eligibility

Typical Loan Parameters

General guidelines for Ground-Up Construction Loans: New Build Financing for Developers and Investors financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

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Construction

Loan Amount

$500K–$50M+

LTC / LTV

Up to 85% LTC

Draw Structure

Milestone-based

Timeline

12–24 months

Bridge (Pre-Dev)

Loan Amount

$250K–$20M+

LTC / LTV

Case-by-case

Draw Structure

Interest-only

Timeline

12–36 months

Best For

Who This Is For

These programs are designed for specific investor profiles. Find the scenario that matches your situation below.

Developers building spec single family homes for sale upon completion

Construction programs cover land acquisition, horizontal development, and vertical construction in a single loan, with funds released in draws as each phase is completed and verified by an independent inspector.

Builders developing townhome or SFR subdivisions requiring horizontal and vertical construction financing

Programs in this category scale from individual lot builds up to 40-unit subdivision projects with milestone-based draw schedules tied to actual completion.

Multifamily developers building 5 to 20 unit apartment projects for rent or sale

Ground-up construction programs for multifamily cover the full project cost including land, site work, and vertical construction with LTC up to 85% on qualifying residential projects.

First-time developers with experienced contractors and strong project plans

Some programs are accessible to developers with no prior construction track record, provided the general contractor has relevant credentials, the project plan is detailed, and the down payment is sufficient to offset the experience gap.

Developers who need land acquisition and construction costs covered in a single loan

Ground-up construction programs consolidate land acquisition, horizontal development, and vertical construction into one loan structure with a single close.

FAQ

Common Questions

Finance Your Ground-Up Construction Loans: New Build Financing for Developers and Investors Property

No upfront fees. No hard credit pull. Tell us your deal and we will tell you what is possible.

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