Ground-Up & New Construction Financing
Ground-Up Construction Loans for Commercial Developers
Ground-up construction financing carries more risk for lenders than a purchase or refinance — which means the right lender relationship matters more, not less. Kelly Dutton matches your project to lenders who actually fund vertical construction, structures your file around the build timeline, and keeps draws moving so your project doesn’t stall waiting on paperwork.
What Ground-Up Construction Loans Can Be Used For
- Land acquisition and site development
- New construction of commercial, industrial, or mixed-use buildings
- Ground-up multifamily or hospitality projects
- Construction-to-permanent financing
- Site infrastructure and improvement costs
Why Business Owners Choose Ground-Up Construction Financing
- Draw schedules structured around your project’s actual milestones
- Financing built for the full project timeline, not just the closing
- Access to lenders experienced with builder risk, permitting delays, and cost overruns
- Construction-to-permanent options that avoid a second closing down the line
How Kelly Helps
Ground-up deals live or die by the draw schedule and the lender’s confidence in your build team. Kelly knows what construction lenders need to see before they’ll fund vertical development — she helps you package the project, line up the right lender, and keep draws on schedule so the build doesn’t stall on financing.
Funds release in stages as your project hits agreed milestones — foundation, framing, mechanical, and so on — rather than as one lump sum at closing. Kelly helps structure a schedule your lender and your contractor can both work with.
It varies by project type, sponsor experience, and lender, so there’s no single number to quote here — Kelly reviews your project and matches you to lenders whose terms fit.
In many cases, yes — construction-to-permanent structures avoid a second closing once the building is complete. Kelly can tell you which lenders on your project offer that option.