Construction Loans
Ground-up financing from land to certificate of occupancy
Finance ground-up residential and small commercial projects. From land acquisition through vertical construction with a draw schedule matched to your build.
Investor-focused construction lending · Advisor-reviewed scenarios · No application fee
Loan Terms
- Loan Amount
- Sized to project scope
- LTC
- Based on land + construction budget
- Term
- 12 – 24 months
- Rate
- Priced to project & experience
- Experience
- 2+ completed projects
- Property Types
- SFR, Townhome, Small MF
Rates and terms subject to underwriting approval.
Program Highlights
Capital structured around plans, progress, and takeout.
- 1Land acquisition financing included
- 2Flexible draw schedules
- 3In-house draw inspection team
- 4Spec and pre-sold projects
- 5Phase / tract development available
- 6Experienced builder focus
Ready to get started?
Share your deal in a few minutes. No application fee, no obligation.
Check Loan OptionsCompleted Deals
Ground-up construction closings
Selected construction transactions funded for real estate investors.
Construction · Seattle, WA
Seattle Queen Anne Construction
- Loan Amount
- $2,400,000
- Closed In
- 26 Days
Two new construction single-family homes side by side — both funded simultaneously. Land used as collateral; borrower did not need to bring additional cash to close.
View case study
Construction · Ellensburg, WA
Ellensburg Ground-Up Construction
$709,000
12 Days
Vacant, permitted lot being built into a 3,200 sq ft single-family home and a 3-car shop/garage.
Construction · Seattle, WA
Seattle Two-Unit Construction
$2,900,000
Construction refinance for a two-unit residential project, with cash-out proceeds supporting the build toward a substantially higher completed value.
Past transactions are provided for informational purposes only. Financing structures, terms, and closing timelines vary by borrower, property, market, and underwriting review. Past performance does not guarantee future results.
Borrower Reviews
What construction investors say
“I was building an investment property from the ground up and wanted a lender that understood construction financing — the banks we've worked with have no idea how they work, it was a nightmare. Pillar helped us put together the budget, walked us through the draw process before we started, and kept funding moving throughout construction. Their communication was excellent, and knowing we had an experienced team behind us made the entire project much less stressful. We'll be back for our next build.”
Frequently Asked Questions
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Next Step
Ready to think through your next deal?
Share a few basics about the property and we'll help you understand which financing paths may fit your strategy.
No obligation. Representative scenarios only — talk with an experienced investment advisor.