A construction loan is short-term financing used to fund the cost of building a new property. These loans cover land acquisition, labor, materials, permits, and construction draws. We offer ground-up construction loans for investors in Atlanta looking to build homes, townhomes, or commercial projects.

Who qualifies for an Atlanta construction loan?

We provide loans to:

• Real estate investors

• Builders and developers

• Licensed general contractors

• First-time developers (with qualified partnerships)

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Loan amounts typically range from $150,000 to $5,000,000+ based on:

• Project size and location

• Loan-to-Cost ratio (up to 85% LTC)

• Investor experience and scope of work

No prior experience is required. However, you must have:

• A licensed general contractor (GC) or builder on your team

• A realistic budget and timeline

• A clear exit strategy (sale or refinance)

We typically close construction loans in 7–10 business days, pending receipt of:

• Construction plans

• Permit documentation

• Budget and timeline

• Draw schedule

Funds are released in phased draw schedules based on:

• Verified construction milestones

• Inspector reports

• Signed lien waivers and progress invoices

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We fund a variety of real estate development projects across Atlanta and Georgia, including:

• Single-family homes

• Duplexes and triplexes

• Townhomes and infill developments

• Multifamily buildings (12 units or less)

• Light commercial properties

Borrowers are typically required to contribute 10% to 20% of total project costs. This ensures skin in the game and improves overall loan terms.

Yes. We provide lot acquisition and construction financing in one loan package—ideal for investors purchasing land to build new construction.