🏗️ New Construction Financing Made Simple
Flexible Funding for Builders & Developers
At Cap One Lending, we specialize in private lending for new construction projects—offering fast, flexible, and investor-focused loan programs. Whether you're launching your first development or managing a growing portfolio, our construction financing solutions are built to help you move quickly and confidently.
✅ In-house capital for fast closings
✅ Broker access for competitive loan options
✅ Minimum credit score: 660 (720+ recommended for best terms)
🔨 Construction Loan Programs Overview
🧱 All-In-One Development Loan
One-step financing for horizontal and vertical construction.
Perfect for purchasing development-ready land and funding both horizontal improvements and building construction under a single loan.
Loan Details:
- Term: Up to 24 months
- Purpose: Acquisition, development, and vertical construction
- Eligible Property Types:
- Horizontal: Entitled land with zoning in place
- Vertical: Single Family, Condo, 2–4 Units, Townhomes
- Loan Amounts:
- Minimum: $500,000
- Max per unit: $3,000,000
- Total loan: Up to $20,000,000
- Multiple properties allowed (must be in the same jurisdiction)
- LTV: Horizontal ≤ 55% | Vertical ≤ 65%
- LTC: Up to 85%
🏡 Construction Loan Program
Vertical construction financing on shovel-ready lots.
Ideal for builders ready to break ground with permits and plans in hand.
Loan Details:
- Term: Up to 24 months
- Purpose: Vertical construction only
- Eligible Property Types: Single Family, Condo, 2–4 Units, Townhomes
- Loan Amounts:
- Minimum: $500,000
- Max per unit: $3,000,000
- Total loan: Up to $20,000,000
- LTV: Up to 70%
- LTC: Up to 90%
🔁 Bridge Loan Program
Short-term financing to bridge acquisition or repositioning.
Designed for developers who need quick capital to purchase, reposition, or prepare for long-term financing.
Loan Details:
- Term: 12–18 months
- Purpose: Acquisition, repositioning, or transition to permanent financing
- Eligible Property Types:
- Single Family (Investment Only)
- Condo (Investment Only)
- 2–4 Units, Multifamily, Mixed-Use, Light Commercial
- Loan Amounts:
- Minimum: $150,000
- Maximum: $5,000,000+ (case-by-case)
- LTV: Up to 75% of “As-Is” value
- Highlights:
- No income verification
- Interest-only payments
- Close in as little as 7–10 business days
📦 Wrap Loan Program
A revolving master facility for multiple projects.
Created for experienced builders needing ongoing access to capital for acquisition, development, lot banking, or vertical construction.
Loan Details:
- Term: Up to 24 months with rolling 12-month renewals
- Purpose: Reusable facility across multiple projects
- Eligible Property Types: Single Family, 2–4 Units, Townhomes
- Loan Amounts:
- Minimum: $500,000
- Max per unit: $5,000,000
- Total facility: Up to $40,000,000
- LTV:
- Development ≤ 55%
- Lot ≤ 60%
- Vertical ≤ 65%
- Master Facility ≤ 65%
- LTC: Up to 85% across all project stages
🏘️ Build-to-Rent (BTR) Product
Financing for purpose-built rental communities.
Designed for developers building income-producing rental assets with long-term hold strategies.
Loan Details:
- Term: 24 months (construction), with optional take-out to DSCR or agency financing
- Purpose: Ground-up construction for long-term rental hold
- Eligible Property Types:
- Single Family (Attached/Detached)
- Build-to-Rent Communities
- 2–4 Units, Townhomes, Small Multifamily
- Loan Amounts:
- Minimum: $500,000
- Max per unit: $3,000,000
- Total loan: Up to $25,000,000 (larger on case-by-case)
- Exit Strategies:
- DSCR Rental Take-Out
- Agency or Bank Permanent Financing
- Portfolio Hold
- Highlights:
- Interest-only during construction
- Seamless transition to rental loan
- Suitable for individual and institutional investors
📞 Ready to Build?
Let Cap One Lending be your capital partner from dirt to doors. Whether you're developing a single property or scaling a community, we have the funds, flexibility, and expertise to make it happen.
Contact us today to get prequalified or speak with a construction lending expert.
📞 816-905-1111
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