BearCrestFunding
All loan programs

BearCrest loan program

Ground-Up Construction

Financing for investors and builders constructing a new residential property from the ground up.

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The BearCrest advantage

Financing options built around your opportunity.

BearCrest structures ground-up financing around the land, construction budget, completed value, and experience of the borrower and builder. When the lot is already owned, its equity may satisfy part—or, with select programs, all—of the required project contribution.

Land + constructionDraw-based fundingLot equity considered

Who it’s for

Qualified sponsors with a buildable project, documented budget, plans, timeline, and a clear sale or rental exit.

What we offer

A financing path built around the project.

  • Financing may include the land or lot and eligible construction costs
  • Owned-lot equity may reduce the cash required at closing
  • Construction funds are released through a managed draw process
  • We review the borrower and contractor experience together

What we can consider

Where this program can fit.

  • Consider land acquisition together with eligible vertical construction costs
  • Use verified equity in an already-owned lot toward the required contribution
  • Evaluate the borrower and qualified builder’s combined construction experience
  • Structure construction draws around an approved budget and timeline

Important limitations

What borrowers should know.

  • Plans, permits, a detailed budget, and a realistic construction schedule are normally required
  • Funds are released through inspections and draws rather than all at closing
  • Available leverage depends on land value, total cost, completed value, experience, and liquidity

The process

From opportunity to a clear financing plan.

  1. 01

    Submit the land, plans, and project summary

  2. 02

    Provide the construction budget and timeline

  3. 03

    We evaluate cost, completed value, and experience

  4. 04

    Approved construction funds are managed through draws

Important to know

Owning the lot may increase available leverage because existing land equity can count toward the project.

Have a property in mind?

Tell BearCrest about the property, the project, and what you want to accomplish.

Apply for Ground-Up Construction