© 2025 Hera Lending. All rights reserved.
Member of
NMLS ID 2678531 | Equal Housing Opportunity
Financing for New Construction Projects
Build Residential Investments from the Ground Up with Hera Lending
Transform vacant land into profitable rental properties or dream homes with Hera Lending’s ground up construction loans. Our ground up construction loans provide approved financing in 10-12 days with flexible funding and milestone-based disbursements for builders across the U.S.
Our construction loans are designed to address the unique challenges faced by real estate developers and investors
Rapid approvals and milestone-based disbursements that align with your project timeline. No more waiting for traditional banks to catch up with your construction schedule.
We evaluate the viability of your project, liquidity, and experience—not outdated banking models focused on credit scores and tax returns.
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While banks take months, our ground up construction loans approve qualified projects in 10-12 business days
Receive funds as you complete each construction phase throughout your ground up construction loans project
Competitive rates and terms designed to support builders at every stage with our ground up construction loans
Ground up construction loans funding available across the U.S. for your next construction projec
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Get funded in 3 simple steps with milestone-based disbursements
Apply online with your project details. We require minimal documentation upfront, and there's no hard credit pull.
If your experience, liquidity, and project scope align, you'll receive approval in as little as 10 - 12 days, including a clear draw schedule.
We disburse funds tied to construction phases ensuring accountability and cash flow throughout your build.
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Our ground up construction loan programs are crafted for:
With at least 3 completed construction or rehab projects
Building 1–4 unit homes, duplexes, triplexes, or fourplexes for rental or resale
Investors in markets like Florida, Texas, Georgia, and the Carolinas
May qualify by partnering with a licensed builder and showing liquidity reserves
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To qualify, borrowers typically need:
3+ completed construction or rehab projects.
OR a Licensed Contractor as your partner.
Knowledge of construction and project management.
Government-issued ID
3 months bank statements
Detailed budget & timeline
Builder's risk and Liability insurance
Liquidity reserves (Min. 6 months)
Proof of income asset
Down Payment capability
Credit Score consideration
Properties in eligible states
Realistic construction timeline
1-4 residential properties
Shovel-ready projects with approved permits
Licensed contractor agreements
Architectural plans and specifications
Builder's risk insurance policy
General Liability coverage
Legal entity documentation
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This guide walks you through every phase of a ground-up project—from land acquisition to project completion.
Learn how to plan your project timeline, manage budgets, and scale your business with construction-first strategies.
Avoid common pitfalls like underestimating permit delays, scope creep, or budget mismatches that can stall returns.
Funding for purchase + rehab or refinance + rehab of 1–4 unit properties. Fast closings and up to 100% construction financing.
30-year fixed-rate financing for stabilized rental properties. No personal income docs—just property cash flow.
Short-term financing to bridge funding gaps between buying and selling or refinancing.
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Get answers to the most common questions about construction financing
If you’re new to building, you can still qualify by partnering with a licensed contractor or developer who has experience. As long as your liquidity is sufficient and your project is well-documented, we’re open to funding. We evaluate the overall strength of the team and project.
Yes. We require “shovel-ready” projects—this includes approved permits, construction plans, and a detailed budget. This ensures a timely draw schedule once the project begins and reduces the risk of delays that could impact your timeline and budget.
Absolutely. Our loans can be structured to cover both the land purchase and the full construction costs. You can also roll your land-only loan into a full construction loan if plans and permits are secured later. This provides maximum flexibility for your project financing.
We understand real estate development often faces delays. That’s why our loans include an optional 6-month extension. Just communicate with your loan manager and provide updated documentation. We work with you to ensure project completion without unnecessary stress.
Yes. While based in Miami, Hera Lending funds ground up construction projects in several high-growth markets across the U.S., including Texas, Georgia, and the Carolinas. Contact us to confirm availability in your specific market area.
Once your ground up construction loans are approved, funds are disbursed based on construction milestones. Initial funding for land purchase or project startup can be available within days of loan closing.
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Hera Lending is a leading private lender specializing in fast, flexible financing solutions for real estate investors and property owners.
© 2025 Hera Lending. All rights reserved.
Member of
NMLS ID 2678531 | Equal Housing Opportunity
