A construction loan is a short-term, asset-backed loan designed to fund the full scope of ground-up development projects. It covers costs like land improvement, materials, labor, permits, and more. Our Colorado construction loans are ideal for real estate investors building new single-family, multifamily, or commercial properties.

Pre-approvals are typically issued within 24–48 hours once you submit the required documentation. Closings can occur in as little as 7–10 business days, depending on the project scope and underwriting review.

To qualify, investors must meet these key requirements:
– Proof of land ownership or site control
– Detailed construction budget and timeline
– Feasible exit strategy (sale, refinance, or rental)
– Prior experience in real estate development is preferred

Your LOI offers:
– Loan amounts from $250,000 to $5,000,000+
– Up to 85% Loan-to-Cost (LTC)
– Interest-only payments during construction
– 12–24 month loan terms
– No prepayment penalties on most loans

Funds are disbursed based on a construction draw schedule. After each milestone (e.g., foundation, framing, roofing), an inspector verifies completion and the next portion of funds is released. This structure protects the timeline and budget throughout the build.

Experience is preferred but not mandatory. If you’re a first-time developer, we may still approve your application if you are working with a licensed contractor or experienced project manager.

We fund:
– Ground-up residential builds (SFRs, duplexes, townhomes)
– Multifamily developments (up to 30 units)
– Select commercial construction (mixed-use, office, retail)
– Land development with vertical construction

We fund projects in:
– Denver, Colorado Springs, Aurora, Fort Collins, Boulder
– Counties including Jefferson, Arapahoe, El Paso, Douglas, and more

Yes, Your LOI offers loan structures that combine land acquisition and vertical construction into one package, provided the land is shovel-ready and zoned for development.