Finance your entire project from start to finish with CV3’s Ground Up Construction Financing. Designed for seasoned builders and general contractors who want strong leverage, flexible draw structures and less paperwork during construction. From developed land to tear-down, we offer vertical construction financing for single-family or 2–4 residential developments. Our streamlined approval process and simplified draw process keep things moving smoothly so you can build with confidence.
From developed land to tear down, we offer vertical construction financing for single family or 1-4 residential developments. Our streamlined approval process and simplified draw process keeps things moving smoothly so you can build with confidence. Leverage our expertise and competitive loan terms to transform your real estate development plans into a reality.
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Draw Process
Draw Process
Whether you’re breaking ground or navigating a project mid-build, we offer flexible Ground Up Construction financing built for developers at all stages. Secure capital from day one with CV3’s Ground Up Construction Loan or refinance halfway through with our Mid-Construction Refinance to address loan maturities or rising budgets to get your project across the finish line with confidence.
For Developers that Need Financing for Tear Downs or New Builds
Securing reliable capital at the start of a new construction project is essential to staying on schedule and on budget. CV3’s Ground Up Construction loans offer flexible terms that support experienced developers from initial construction through completion.
Ground Up Construction Key Features:
Financed full-term interest reserves (non-interest bearing)
Loans up to $5,000,000 (larger loans on exception basis)
Up to 85% LTC up to $3MM
Up to 80% LTC up to $5MM
Streamlined draw process
Up to 50% draws on deposits not yet on site with paid invoice
No DTI, W-2s, or paystubs required
Pricing discounts for experienced investors
For Developers that Need Financing for Tear Downs or New Builds
Securing reliable capital at the start of a new construction project is essential to staying on schedule and on budget. CV3’s Ground Up Construction loans offer flexible terms that support experienced developers from initial construction through completion.
Ground Up Construction Key Features:
Financed full-term interest reserves (non-interest bearing)
Loans up to $5,000,000 (larger loans on exception basis)
Up to 85% LTC up to $3MM
Up to 80% LTC up to $5MM
Streamlined draw process
Up to 50% draws on deposits not yet on site with paid invoice
No DTI, W-2s, or paystubs required
Pricing discounts for experienced investors
For Developers who Have a Maturing Loan or Need Additional Funds for Their Construction Budget
Don’t let a loan maturity or increased budget delay your project. For construction projects near completion, CV3’s Mid-Construction Refinance can help developers and general contractors get their project back on track and over the finish line to completion!
Mid-Construction Refinance Key Features:
Projects considered mid-construction at 65-75% complete
Property is weathertight, and framing is complete, with windows and doors installed
Loans up to $5,000,000 (larger loans on exception basis)
Up to 80% LTV
Finance up to 100% of remaining construction costs
No DTI, W-2s, or paystubs required
Pricing discounts for experienced investors
For Developers who Have a Maturing Loan or Need Additional Funds for Their Construction Budget
Don’t let a loan maturity or increased budget delay your project. For construction projects near completion, CV3’s Mid-Construction Refinance can help developers and general contractors get their project back on track and over the finish line to completion!
Mid-Construction Refinance Key Features:
Projects considered mid-construction at 65-75% complete
Property is weathertight, and framing is complete, with windows and doors installed
Loans up to $5,000,000 (larger loans on exception basis)
Up to 80% LTV
Finance up to 100% of remaining construction costs
No DTI, W-2s, or paystubs required
Pricing discounts for experienced investors
Streamlined approval and simplified draw process
Vertical construction for single-family (attached & detached), townhomes, and 2–4 family residential
Finance projects from developed land to tear-down
Non-Dutch interest reserves (you don't pay interest on financed interest reserves built into your loan)
CV3 Construction Loans are reimbursement loans for costs spent and work completed. Learn more about our simplified draw process and key guidelines that make it easier for you to focus on your project.
Our Construction Video Library is packed with practical insights to help you build with confidence. Explore videos covering the construction draw process, real construction projects we've financed, tips from developers, and other valuable guidance designed to help you navigate and better understand CV3's Ground Up Construction financing!
If you’re a real estate developer planning for or looking to secure financing for a new construction project, understanding your options and key terms when it comes to your Ground Up Construction loan is essential. This FAQ section covers the most common questions developers ask so you can structure capital effectively, keep projects moving, and make confident financing decisions from planning through completion.
Yes! Even better, we offer full term financed interest reserves that are non-interest bearing. This means outside from closing costs, a developer doesn't have monthly interest payments or any additional interest accruing on the financed interest reserves. This helps you save money overall and minimize out-of-pocket expenses.
Projects typically qualify for a Mid-Construction Refinance at CV3 when they are 65% to 75% complete. This generally means the property is weathertight, with framing complete and windows and doors installed, allowing investors to refinance before construction is fully finished.
A non-interest-bearing interest reserve is a portion of your loan set aside to cover your monthly interest payments during construction. At CV3, these funds are rolled into your loan and do not accrue additional interest (aka Non-Dutch interest reserves), eliminate out-of-pocket loan payments and additional costs while your project is under construction. Our fully financed Non-Dutch interest reserve can help developers save ~0.5–1.5% on their effective rate.
Yep! Unlike most lenders, CV3 allows construction draws of up to 50% on material deposits, even if the materials are not yet on the construction job site. This helps developers maintain project momentum and cash flow throughout construction.
Construction loan funds are disbursed through reimbursement draw requests as work is completed and eligible expenses are incurred. Developers pay for labor and materials upfront, submit proof of payment, and once the work or materials are verified through an onsite or digital inspection, approved funds are reimbursed. Draw requests can begin seven calendar days after loan funding, and reimbursement amounts vary based on whether the request is for labor, materials, or both. For eligible material deposits, CV3 may reimburse up to 50% of the material line before materials arrive on site.
With our digital mortgage platform and decades of experience, CV3 Financial helps make the loan process more streamlined from beginning to end.
Trusted and dependable lending partner.
Committed to getting your deal done.
Loan solutions personalized to help meet your needs.
Honesty and straight forward terms.
Our Account Executives are here to help you structure the right loan for your development. Reach out and we'll walk you through your options and help price out your deal.