Ground-Up Development/ Construction
TruWealth Capital offers flexible construction loans for both first-time builders and seasoned developers.
Whether it's single-family, multifamily, or commercial, we provide staged funding, fast approvals, and competitive terms—so you can build with confidence from the ground up.
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About Us
We offer fast, flexible private lending for real estate investors—up to 85% Loan-to-Cost and up to 75% Loan-to-Value based on the completed value. Enjoy interest-only payments, no prepayment penalties, and flexible draw schedules tailored to your project. Loan sizes go up to $3M. Whether you're new or experienced, our programs are built to move at the speed of your deals.
As fellow investors, we respond quickly—because in real estate, timing is everything.
Check out our Competitive Terms:
Loan-to-Cost (LTC): Up to 85% of total project costs
Loan-to-Value (LTV): Up to 75% of completed value (After Build Value)
Interest-Only Payments: Available during the construction period to keep cash flow manageable
Draw Schedules: Flexible and milestone-based, tailored to your build plan
Prepayment Penalties: None—refinance or sell when it suits you
Loan Sizes: Typically up to $3M (larger case-by-case)
Approval Time: As fast as 48–72 hours with a complete package
Builder Experience: Programs available for both experienced and first-time builders
KEY FEATURES
Two Tiers of Programs
First-Time Builder Programs:
Designed for newer investors who are venturing into construction. These programs are flexible and supportive, often allowing entry with less stringent experience requirements.
Experienced Builder Programs:
These offer more competitive terms and leverage for developers with a track record of successful builds.
Draw Schedules & Scope of Work
The construction loan process involves a
draw schedule
tied to milestones in the building process. Borrowers submit a scope of work (SOW) upfront, which details each phase of construction.
As milestones are completed and verified via inspection, draws are released accordingly, ensuring funds are used progressively and efficiently.
Simplified Approval Process
The application process is streamlined, focusing on the borrower’s project plan, creditworthiness, and exit strategy.
Turnaround for approval is typically quick—aligned with our commitment to fast, investor-friendly service.
Simplified Approval Process
The application process is streamlined, focusing on the borrower’s project plan, creditworthiness, and exit strategy.
Turnaround for approval is typically quick—aligned with our commitment to fast, investor-friendly service.
Competitive Rates
Rates are highly competitive in the private lending market and tailored depending on the borrower's experience, project size, and risk profile.
No Prepayment Penalties
Allows borrowers to save on interest if they finish and sell or refinance the property earlier than expected.
Strategic Support
Borrowers receive guidance in structuring deals, preparing project documentation, and aligning funding with construction needs.
How It Works
Loans with us are built to support your vision from the ground up — literally. Whether you're building your first project or scaling your portfolio, our streamlined 3-step process helps you secure funding quickly, so you can break ground without delays.
Submit Your Interest
Tell us about your development project — lot details, build plans, budget, and experience. We make it easy with a fast, no-hassle online intake form.
Get a Fast Approval Decision
Our team reviews your project with a focus on property potential and exit strategy — not just personal credit.
Close & Build with Confidence
We fund up to 90% of land purchase and 100% of construction costs. Close quickly, break ground, and get to building — we’ll handle the rest.
Frequently Asked Questions (FAQs)
What Types of Projects Qualify for a Ground-Up Construction Loan?
We fund residential developments including single-family homes, townhomes, and multi-family builds (10+ units case-by-case review) Projects should have approved plans, permits (or be close), and a clear exit strategy.
How Much can I Borrow?
We typically fund up to 90% of land purchase and 100% of construction costs, based on the project's completed value (ARV). Loan amounts can vary depending on your experience and deal strength.
Do I Need Experience to Qualify?
While prior experience helps, we do work with first-time builders if the deal makes sense and you have offsetting factors like: a qualified general contractor, strong credit, reserves, and/or a solid team can offset limited experience. If ever any questions, reach out to use. We'd love to help you with anticipating any roadblocks for your loan qualification and being proactive.
How Long Does it Take to Close?
Most projects close in 7–30 business days. Size of the loan project and complexity of the deal depends on how quickly we receive required documents like plans, permits, and budget.
When Do I Get The Construction Funds?
Funds are wired in draws based on project milestones and the statement of work that you submitted during the approval process. After each phase is completed and inspected (e.g., foundation, framing, etc.), we issue the next draw. Draws are typically wired to you within 1-3 business days.
Want to Work with Us?
From the moment you apply to the day you close, our team is here to support you every step of the way. We make the funding process smooth, transparent, and efficient — so you can move forward with confidence, avoid unnecessary delays, and focus on growing your real estate portfolio.