Build From the Ground Up
Ground-up construction financing and construction completion loans for developers and builders. From permits to CO, we fund your build.
48 hrs
Pre-qualification turnaround
14 days
Average close time
95%
Projects completed to CO
Why RECO Capital
We specialize in construction financing
Ground-Up Financing
From raw land to finished product, we fund the entire construction lifecycle with structured draw schedules.
Construction Completion
Stalled project? Previous lender pulled out? We provide completion financing to get your build across the finish line.
Draw-Based Funding
Funds released at key milestones (foundation, framing, drywall, etc.) verified by inspection. You build, we fund.
Spec & Custom Builds
Whether you are building spec homes to sell or custom builds for buyers, we structure financing around your model.
Common Use Cases
- Ground-up residential construction
- Commercial building construction
- Stalled construction completion
- Spec home development
- Townhome and condo projects
- Land acquisition with construction financing
Our Process Timeline
How It Works
Your path to funding
Every application goes through our full process. Terms are determined by your unique profile, credit, business history, and deal specifics.
Submit Plans
Share your plans, permits, budget, and timeline.
Feasibility Review
We evaluate the project feasibility, market, and your builder profile.
Scope & Budget
Line-item budget review and draw schedule creation.
Terms & Close
Construction loan terms with milestone-based draws.
Build & Draw
Complete phases, request inspections, receive draw payments.
Get Started
Request Your Pre-Qualification
Fill out the form below and our team will send your personalized document checklist within 30 minutes. No obligation, no impact on your credit.
FAQ
Common Questions
Ready to discuss your construction financing?
Apply in under 10 minutes. No obligation. Terms based on your unique profile.
Start Your Application