New Construction – United Choice Capital

New Construction Loans

Ground-up financing for residential and small commercial projects—build from scratch with confidence.

What Is New Construction Financing?

New construction loans provide capital to purchase land and fund building costs for ground-up residential or small commercial projects. Funds are released in draws tied to construction milestones, ensuring builders and investors have capital when they need it.

Ground-Up

Land acquisition + construction in one loan

Draw Schedule

Funds released at project milestones

Licensed Builder

Licensed GC or approved contractor required

Typical Terms

Loan Amount

$100,000 - $10,000,000

Interest Rates

Starting at 6.75% APR

Time to Fund

7-30 business days

Term Length

12 months + extensions available

Down Payment

15% of total project cost
10% of total project cost (GA only)

Draw Schedule

4-6 inspections; interest-only during construction

* Rates and terms shown are typical starting points and vary by project scope, credit profile, and documentation.

What We Finance

Eligibility Requirements

Personal credit score 620+ preferred
Verifiable income or investor capital
Liquid assets equal to 10%+ of loan amount
Licensed general contractor or builder
Approved building plans and permits (or in-process)

Required Documents

Government-issued ID
Detailed construction budget and timeline
Building plans and specifications
Building permits or proof of application
General contractor credentials and insurance
Draw schedule and inspection plan

Have a Unique Real Estate Deal?

We specialize in financing complex investment scenarios. Speak with a funding expert about your unique situation or apply now to receive your terms.