Ground Up Loans for Builders and Investors
Ground Up Construction Financing
Asteris provides ground up construction loans for builders, developers, and real estate investors seeking flexible financing for new construction projects. Whether you’re building a custom home, a spec property, or a multi-unit development, our construction financing solutions are structured to support every stage of the build process. We finance land acquisition, labor, materials, soft costs, and construction draws with terms designed around your timeline and exit strategy. From first inspection to final certificate of occupancy, our team helps keep your project moving with responsive support, streamlined approvals, and dependable access to capital.
Ground Up Construction Loans for Homes & Multi-Unit Builds
New construction is more than bricks and beams—it’s opportunity in its purest form. Our New Construction Loans provide fast, flexible financing to bring your plans off the page and into reality. Whether you’re building a single-family home, a spec property, or a multi-unit development, our loans support every phase of your project, keeping your capital aligned with your milestones.
Our construction financing solutions are designed for the unique demands of ground-up projects. Flexible draws, competitive rates, and adaptable structures support your build schedule and exit strategy. Successful construction isn’t just about funding materials—it’s about aligning capital with milestones, protecting timelines, and ensuring liquidity throughout your project.
From infill developments in urban markets to large-scale suburban communities, Asteris empowers builders and developers with financing built on deep industry knowledge and a commitment to responsive service. We work with you to navigate every phase of the process, from initial budget reviews and land acquisition funding to final inspections and certificate of occupancy.
At Asteris, we’re not just lending for construction—we’re investing in your vision, your craftsmanship, and your success.
Why Builders and Investors Use Ground Up Construction Financing?
Ground up construction financing gives builders and real estate investors the flexibility to move projects forward with confidence. Unlike traditional financing, these loans are structured around the realities of new construction, including phased draws, inspection milestones, and evolving project timelines. Whether you’re developing a custom home, a spec property, or a multi-unit build, the right financing helps protect cash flow while keeping construction on schedule. Asteris provides construction loan solutions designed for residential ground up projects, with flexible terms, responsive support, and financing options that align with your build strategy, timeline, and long-term investment goals from start to finish.
Who Qualifies for a Ground Up Construction Loan?
Asteris structures ground up construction loans for builders, developers, and real estate investors with a well-defined residential project and a practical plan to complete and exit the build. Financing is available for experienced developers and newer builders with strong partners, with each opportunity evaluated around the project, timeline, budget, and investment strategy.
- A clear scope of work, construction budget, and build timeline
- A residential ground up project, from a single home or spec build to a multi-unit development
- A defined exit strategy, such as selling the completed property or holding it as a rental
- Relevant building experience or experienced partners who can support execution
- A plan for land acquisition, lot take-out, or vertical construction costs
Every project is different. Speak with an Asteris lending advisor to review your deal, discuss a flexible loan structure, and determine the next steps toward a same-day term sheet.
Why Choose Us for New Construction Loans?
Purpose-Built Financing for Ground-Up Projects
Construction projects come with enough complexity—your financing shouldn’t add to it. Asteris delivers straightforward, dependable construction capital with the flexibility and speed developers demand. We work with builders and investors who are ready to break ground and build value.
Who It's For
Homebuilders & Custom Builders
Needing financing for individual or spec homes
Real Estate Developers
Building residential neighborhoods, duplexes, or townhome clusters
Investor-Builders
Seeking capital to construct and hold as rentals or short-term sales
Single Asset or Multi-Unit Projects
Whether it’s one custom home or a community of new builds, we scale our solutions to match your scope.
Construction Financing Available
Bundle build costs into a single loan for simplified capital stacking.
Construction Draws Made Simple
Get reimbursed for work completed with fast, transparent draw processes and dedicated construction lending support.
Flexible Loan Structures
Choose terms that work with your project timeline and exit strategy, whether you’re planning to sell, rent, or refinance post-completion.
Spec or Pre-Sold Models Welcome
We finance projects with or without buyers in place—perfect for experienced builders or investors with a clear market vision.
Loan Highlights:
- Up to 85% Loan-to-Cost (LTC)
- Interest-only during the build phase
- Terms typically ranging from 12–24 months
- Nationwide lending footprint
- Funding available for experienced developers and new builders with strong partners
Why
Builders Choose Asteris
Construction-Smart Lending
We understand construction—and we structure our loans to work with the realities of sitework, inspections, and draw schedules.
Dedicated Support
Your project is assigned a construction financing expert from start to finish—so you’re never left guessing.
No Bureaucracy. Just Progress.
We eliminate bottlenecks so you can stay focused on timelines, subs, and sales—not paperwork and red tape.
Let's Build Something Bold.
Whether you’re creating a signature home or a multi-unit community, Asteris has the construction capital to bring your vision to life.