Ground-Up Construction Loans

Build from the ground up — with $0 down. Flexible, nationwide funding to get your project off the ground.

Why Choose UPNEXT Capital?

Whether you're an experienced builder or launching your first development project, UPNEXT Capital offers tailored construction loans designed to meet your needs — with minimal cash out of pocket, no FICO requirements, and fast closing options.

Key Benefits at a Glance

|| New Developers & First-Time Builders ||

No Guarantor Builder Loan - Up to 5 Million per Phase ( GUC01-BRCE)

Designed for entry-level investors ready to build with a partner-oriented structure and minimal cash out.

Best for

First-time or low-volume builders

Borrowers with limited liquidity

Investors who already own land (or partner with seller)

Program Highlights

Loan-to-Cost (LTC): Up to 85%

Loan-to-ARV: Up to 70%

Credit Score: 640–660 (soft or hard pull)

Draws: Based on inspection (virtual or scheduled)

Monthly Payments: 1% of funds used, rolled into loan

Land Ownership: Owned or partner/seller contributes via LLC + Quit Claim

Loan Amounts: $50K – $5M per phase

Appraisals: Required

Closing Costs: Rolled into loan (approx. 2–5%)

Exit: Interest + costs paid at sale/refi

States: Nationwide including ND, SD

Requirements

Partner or seller must be part of LLC if land is contributed

Minimum of 3 completed projects for builder (experience via contractor OK)

|| Intermediate Builders (1–3 Completed Projects) ||

Program: $0 Down – Ground Up & Cash Out on LAND (GUC03-TREVGIA)

Suited for investors with some experience and cash reserves ready to scale development across markets.

Best for

Builders with at least 1 completed project in the last 3 years

Investors with moderate liquidity or assets

Those who want low upfront costs with mid-size build budgets

Program Highlights

LTC/ARV: 85% / 70%

Credit Score: 680+ (soft pull + background check)

Liquidity: 10–20% of loan amount

Net Worth: $3M+ preferred (including RE equity)

Draws: Standard with interest reserve (6 months or 1 month w/ 720+)

Land Equity: Up to 60% LTC, with possible cash out

Loan Size: $50K – $2M per phase

Exit: Paid at sale/refi

Contingency: Built-in reserves

Perks

Light doc program with flexibility for rural, suburban, and modular homes

Background check vs. full doc underwriting

|| Experienced Investors (3–5+ Completed Projects) ||

Program: 95% LTC / 75% ARV – Ground-Up Pro (GUC04-NAT)

For seasoned developers, offering the most leverage and flexible funding structure.

Best for

Full-time developers or rehabbers with 5+ major deals

High-leverage borrowers who want to use retirement or equity-based liquidity

Builders who need up to $4M per phase

Program Highlights

LTC: Up to 95%

ARV: Up to 75%

Credit Score: 680+

Liquidity: 15% of loan (can include 401k, HELOCs, etc.)

Draws: Deferred interest (1–1.1%)

Experience: 5 major projects in 5 years

Loan Size: $100K – $4M per phase

Closing/Appraisal: Included, ~$6,500 all-in

Exit: Paid at sale/refi

Appraisal: Required

Special Programs by Location or Credit Profile

No FICO / No Appraisal Program (GUC05-VNCT)

Rural Ground-Up Program (GUC06-MRIA)

Loan Program Highlights

Feature	Available Terms
Loan Amounts	$50,000 to $5,000,000 per phase
Credit Requirements	Soft pull or no FICO options
Down Payment	As low as $0
Liquidity	As low as 5% of loan amount
Experience	Options for new builders & seasoned investors
Closing Costs	Typically 2–5%, partially rolled into loan
Land Ownership	Owned or partner-held land accepted
Property Types	Urban, suburban, semi-rural, manufactured & modular homes
Closing Timeline	Fast-track programs available (5–10 days

Tools to Get You Started

Construction Loan Calculator →

Estimate loan size, monthly payments, equity requirements, and exit value in real time.

Apply for a Loan →

Complete our streamlined online application — no hard credit pull required to start.

Who This Is For

Project Monitoring: Draws Made Easy

All draw requests are verified via virtual camera inspections — saving you time and accelerating the disbursement process.

Closing & Exit

We partner with your preferred title company to handle all aspects of closing, including:

Interest and fees are often paid only when you sell or refinance.

New Construction? No Headaches.

Flexible financing from dirt to done.

Start Building Smarter with
UPNEXT Capital

We support real builders with real-time closings — credit and underwriting required, but terms made simple. Explore ground-up programs tailored for spec builders, developers, and investors across the U.S.