Ground Up Construction

Ground-up construction loans from Ocean Capital and Funding are tailored for developers looking to turn their blueprints into reality. With private-label financing designed to streamline the lending process, these loans focus on your project’s potential and your experience—not traditional personal qualifications. Whether you’re building a single-family residence or a multifamily unit, we provide the capital you need to start and complete your project efficiently.

Loan Highlights

Lending Term: 12-18 months with extension options available
Property Types: SFR, 2-4 Unit
Financed Budget: Up to 100% of the construction budget for SFR projects
Loan to Cost: Up to 65% on land with approved plans
Interest Rates: Starting at 10%
No Income Check, Tax Returns, or Work History Required
Same Day Draws
Refinancing Options: Transition into our rental loan program once the property is completed and occupied by paying tenants

At Ocean Capital and Funding, we understand the complexities of ground-up construction financing. By partnering with private lenders, we ensure a smooth and fast approval process, prioritizing your project’s needs over traditional underwriting hurdles. From conception to completion, our team is committed to supporting your success every step of the way.

Let us help you secure the financing to build your next project. Contact Ocean Capital and Funding today.

Find out how we can help your current vision by filing out our Quick App.