Build your investment portfolio from the ground up
New Construction loans are designed for investors and developers who want to finance the construction of new residential properties quickly and efficiently. These loans help you fund land acquisition, construction costs, and related expenses while keeping cash flow flexible.
Our Track Record Of Success
About New Construction Financing
Built to help you close deals with confidence
Property-focused
Loans are based on the projected value of the completed property, not just the borrower.
Fast approvals
Skip long waits and start construction quickly.
Tailored terms
Flexible repayment options and interest-only payments during construction.
New Construction Loan Terms
Flexible construction financing designed to help investors build projects efficiently and on schedule.
See RatesAverage Processing Time
5-10 Days
Loan Rates starting at
9.9%
Loan-to-Value up to
Up to 75%
Loan to Cost up to
Up to 85%
Loan Size
$100K+
Prepayment Penalty
No
Why Choose New Construction Loans?
Our digital platform and in-house team deliver fast approvals and clear, property-focused pricing so you can move forward with certainty.
Quick Access to Capital
Funds available in as few as 5-10 business days, so construction can begin without delays.
Cover Land & Construction
Loans can cover both land acquisition and approved construction costs up to a high loan-to-cost ratio.
High Loan-to-Cost (LTC)
Borrow up to 85% of total project costs, minimizing your out-of-pocket cash.
A4 Lending Areas
Get answers to your New Construction questions
Everything you need to know about New Construction loans—made simple. Want to understand the fees associated with A4 Partners’ loans, or find out which properties qualify for a New Construction loan? We’ve got all the answers to help you confidently navigate your next real estate investment.
What is a New Construction loan?
A New Construction loan provides financing to build new residential properties, including single-family homes, condos, or small multi-unit developments.
Can these loans cover both land purchase and construction costs?
Yes, New Construction loans can cover the cost of land acquisition and approved construction expenses, based on the loan-to-cost ratio.
What types of properties are eligible?
Eligible properties include Single-Family homes, Multifamily, Condos, Townhomes, certain Manufactured Homes, as well as Mixed-Use and commercial properties such as Office, Warehouse, Industrial, Retail, Hospitality, and other commercial asset types. All properties must be non-owner-occupied.
How fast can a New Construction loan close?
Our average processing time is 5–10 business days, with many deals moving forward in as little as 5 business days.
Are income and credit checks required for borrowers?
Yes, credit checks are required for all borrowers. Our programs are primarily asset-based, and no income verification is required, making it easier for investors to qualify.
Is a draw schedule available for construction costs?
Yes. Custom draw schedules are created to release funds as construction milestones are completed, ensuring efficient project management.
