The dream of building a property from the ground up—whether it’s a modern single-family home, a multi-unit rental, or a sleek commercial space—starts with a strong foundation. And we don’t just mean concrete. We’re talking about funding—the fuel that brings your blueprint to life. That’s where ground-up construction loans come in. These specialized loans are designed specifically for investors, builders, and developers who want to create something new rather than renovate the old.

Unlike traditional bank loans, which can be slow, strict, and full of red tape, hard money ground-up loans offer speed, flexibility, and asset-based underwriting. Instead of asking for W-2s, years of tax returns, or a perfect credit score, hard money lenders focus on the project itself—its value, profitability, and execution plan. This makes them an ideal choice for real estate investors who are focused on scaling their business and who may not check every box for conventional financing.

Ground-up construction loans typically finance both land acquisition and vertical construction. If you already own the land, you can leverage that equity as part of your contribution. If not, many lenders will include the land cost in the total loan package. Funds are distributed in draws—phases based on construction milestones, such as completing the foundation, framing, plumbing, and final finishes. Each draw requires an inspection to ensure quality and progress, which protects both the borrower and the lender.

One of the biggest advantages of using hard money for ground-up builds is speed. Deals can often close in a week or less, giving you the edge when competing for desirable land or infill lots. Additionally, hard money lenders can structure deals based on the After Repair Value (ARV) or the as-complete value—allowing you to borrow more upfront and increase your ROI once the property is sold or refinanced.

Whether you’re a first-time builder with a clear plan or a seasoned developer juggling multiple projects, a ground-up loan can help you scale without delay. At UPNEXT Capital, we specialize in creative financing for visionary investors. From raw land to completed rental portfolios, we’re here to help you build smarter and faster—with fewer limitations.

Ready to break ground? Let UPNEXT Capital finance your next construction project.