New Construction Loans
Ground-Up Construction Loans for New Builds
Peach Tree Commercial Capital is able to provide financing to cover all of your ground-up construction needs. This program offers an up to 24-month term and rates starting at 9.99% to make sure your project is well-funded from start to finish.
A Ground-Up Construction Loan is financing used to build a new property from the ground up, rather than renovating or purchasing an existing structure. These loans cover costs like land acquisition, construction materials, labor, permits, and other development expenses.
Funds disbursed in stages (called “draws”) based on
construction progress
Typically short-term (12–24 months), with interest-only
payments during construction
Often refinanced into a long-term loan or paid off upon sale of
the property
Requires detailed construction plans, timelines, and budgets
Ground-Up Construction Loan
Terms & Qualifications
| Purpose | Purchase, Refinance, Cash Out |
| Collateral | SFR, 2-4 Units, Multifamily 5+ |
| Guarantors | US Citizens, Permanent Residents, Foreign Nationals |
| FICO | 680 650-679 interest reserves required |
| Experience | New and Seasoned Investors |
| Term | 12 to 24 months |
| LTV | Up to 85%LTC / 70%LTV |
| Min Loan Amount | $100K |
| Max Loan Amount | $2MM |
| Min property value | $150K (completed value) |
| Amortization Options | Interest Only on: Full Note and Unpaid Balance – Draws Balloon Payment at payoff |
| Interest Reserves | No |
| Prepayment penalty | No |
| Rates | 9.99% |