Ground-Up Construction Loans
Construction financing for qualifying investors and developers with a documented plan and exit strategy. We help you explore a possible structure; the participating lender makes the final decision.
The short answer
Ground-up construction loans finance qualifying investors and developers building new property, and require review of plans, budget, permits, builder experience, site control, equity, and exit strategy. Paradise Working Capital, a Hawaii-based broker, reviews the request and matches it to a participating funding source.
A property-first review
Construction requests require review of plans, budget, permits, builder experience, site control, equity, and the proposed repayment or sale strategy.
Requests are reviewed for business purpose, property type, occupancy, equity, requested use of proceeds, repayment or exit strategy, and state-specific requirements. Additional disclosures may be provided automatically when required.
Common review factors
Property
Value, condition, location, lien position, and marketability.
Plan
Budget, timeline, experience, repayment, refinance, or sale strategy.
Purpose
Business-purpose use of proceeds and occupancy must be clear.
Ground-Up Construction Loans — Frequently Asked Questions
Who is Ground-Up Construction Loans for?
Construction requests require review of plans, budget, permits, builder experience, site control, equity, and the proposed repayment or sale strategy.
Can I use this for an owner-occupied home?
These pages focus on business-purpose and investment financing. Owner-occupied residential requests may require a different review path and are not assumed to qualify.
Are terms guaranteed?
No. A completed application is reviewed by the participating funding source. Rates, leverage, fees, timing, and approval are not guaranteed.
Start Your Funding Review
Soft credit pull to prequalify: applying and finding out if you're approved does not hurt your credit. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
Missing documents, or items that need manual underwriting review, can delay approval and funding. That includes an NSF or overdraft that needs an explanation, and money moved between personal and business accounts. Explaining these up front helps keep things moving. Write them here.
⚠️ Required for an accurate review: at least 3 months of recent business bank statements (some programs need up to 6), your business EIN / Tax ID number, a government-issued photo ID (required to submit), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.