Ground Up Construction Loans in Floyd County Georgia
We finance ground up construction across Floyd County—Rome, Lindale, Cave Spring, and Silver Creek—with same-day term sheets, quick draw releases, and no tax returns required.
Why Georgia Investors Choose Us
- Local, fast, investor-minded
- Speed: Terms same day, closings in 7–15 business days
- No Income Docs: Asset-based approvals—no W-2s or tax returns
- Progress-Based Draws: Photo/inspection verified, 24–72 hr typical
- Flexible Structures: LTC/ARV options, interest-only during build
- Georgia Expertise: We know Floyd County permitting, inspections, and local title workflows
- E-E-A-T Built-In: 1,000+ GA projects funded; transparent pricing; FTC/ADA/CCPA compliant
- CTA (inline): Speak to a local Georgia lending expert today.
How to Qualify
We underwrite the project, not your personal income.
What to submit (simple list):
Land status (owned or under contract) + entitlement evidence
Preliminary plans and detailed budget/scope
Contractor/GC credentials + timeline
Exit strategy (sale or refi to DSCR/perm)
First-time developers can qualify with a licensed GC and a sound budget.
Property Types Eligible
Multifamily (2–30+ units)
Mixed-use (residential over retail)
Retail & neighborhood centers
Office / medical office
Industrial / flex (case-by-case)
Build-to-rent (BTR) communities (small-to-mid scale)
What insurance is required?
Builder’s risk and general liability are required prior to closing.
Compliance, Trust & Accessibility (H3)
Transparent terms & fees; no bait-and-switch
ADA-friendly copy with clear headings and readable contrast
Respect for privacy (CCPA/CPRA); marketing opt-outs honored
Clear disclosures; compliant CTAs aligned with Google Ads
Key Highlights Of Our Program
Loan amounts typically $500K to multi-million
Terms from 12 to 36 months with interest-only options
Strong focus on investor exit strategy (sale or refinance)
Fund acquisition, construction budget, carry costs
Our 4-Step Process to Funding Your Loans
Deal Submission
You send property address, budget & exit strategy; we review within 24-48 hours.
Term Sheet Issued
We’ll outline loan amount, rate, draw schedule, exit plan.
Underwriting & Closing
We examine title, insurance, budget, permitting status; closing typically in 1–3 weeks.
Construction & Draws
Funds released by phase; we monitor progress, you proceed with construction; exit triggers payoff.
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Flexible underwriting focused on deal merits
Less emphasis on personal income & credit score
Our Experience in Georgia & Floyd County
Atlanta Fix & Flip Loans has funded over 1,000 real-estate investment projects across Georgia from Atlanta to Savannah, Macon to Athens giving us deep knowledge of permit timelines, contractor networks and exit strategies in this market (Authority & Experience). In Floyd County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
Yes. If the land is entitled (or entitlement is achievable on a defined path), we can finance land plus vertical construction.
Typically 24–72 hours after photo or inspection verification.
No. These are asset-based construction loans.
Ready to Fund Your Project in Floyd County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Floyd County and investor markets inside out.