February 27, 2025

Written by: Daly Kay DiNatale

As a high-end real estate investor or developer, you know the drill: a prime piece of land comes up, but traditional banks move at a snail’s pace. By the time they approve your loan, the opportunity’s gone. Enter hard money loans for ground-up construction—a fast, flexible financing solution designed for pros like you. At Capital Funding, we’ve seen firsthand how these loans can turn your vision into reality, whether it’s a luxury home or a multifamily complex. In this article, we’ll break down the top benefits of using hard money loans for your next construction project and why they’re a game-changer in today’s market.

Hard money loans are short-term, asset-based loans funded by private lenders like us at Capital Funding. Unlike bank loans, they prioritize the property’s value over your credit score, making them ideal for ground-up construction projects.

Need to close in 17 days? Our ground-up construction loans deliver, with rates starting at 10.49% (see our Construction page for details). Traditional banks can take months—hard money lenders don’t mess around.

We offer up to 80% LTC, meaning you put less cash down and keep more for your project. Perfect for experienced builders tackling shovel-ready land.

Banks shy away from custom or mixed-use builds. Hard money loans adapt to your needs, whether it’s a single-family spec home or a commercial complex.

Minimal documentation, quick underwriting—our process is built for speed and simplicity, as outlined on our Construction page.

Faster closings mean faster builds and sales. Pair this with our competitive rates, and your profits soar.

Hard money loans for ground-up construction aren’t just financing—they’re a strategic edge for high-end investors like you. From rapid closings to flexible terms, they let you seize opportunities banks can’t touch. Ready to break ground on your next project? Get pre-approved today at Capital Funding and see the difference for yourself.