Ground Up Construction Loans: Tailored Financing for Every Stage of Your Build

1. Ground Up Construction Loans: The Foundation of Real Estate Development • Ground up construction loans are a specialized financing option for real estate developers and investors who aim to build new structures from scratch. Unlike traditional loans, ground up construction loans are designed to cover all phases of development—from land acquisition to the completion of the property. This type of financing allows for flexibility in the use of funds, ensuring that developers can meet construction milestones without significant financial delays.

2. 1 2 Flexible Terms Faster Access to Funds Ground up construction loans release funds in stages, providing capital as needed for each construction phase. Interest-only payments during construction help manage cash flow until the project is generating revenue or sold. Specialized lenders provide quicker approvals than traditional banks, focusing on the property’s potential value rather than just the borrower’s credit history. This speeds up project timelines and helps avoid costly delays. • Key Benefits of Partnering with Ground Up Construction Lenders 3 4 Larger Loan Amounts Project-Based Approval Ground up lenders are open to higher loan amounts needed for ambitious projects, knowing the end value typically supports the investment. Approval is based more on the property’s future value than the borrower’s credit score, making financing more accessible for a range of developers, especially those who may not meet strict credit criteria. Choosing a ground up construction lender means developers can secure flexible, timely funding to complete projects successfully.

3. How Ground Up Construction Financing Works Ground up construction financing provides funds in stages, matching the project’s construction phases to ensure capital is available when needed. Here’s a look at how it works: Conversion to Long-Term Financing Phased Disbursement Flexible Repayment Options • Funds are released incrementally at key construction milestones—such as land purchase, foundation, and final finishing. This approach ensures developers have ongoing access to funds without taking on unnecessary debt all at once. • Many ground up loans offer interest-only payments during construction. This structure helps manage cash flow until the property generates revenue or is sold, making large projects more financially sustainable. • Upon completion, ground up construction loans can often transition to standard mortgages or long-term financing. This allows developers to retain the property as a rental or commercial space with minimal disruption.

4. Why Choose Simplending Financial for Ground Up Construction Loans Fast, Flexible Approvals Tailored Loan Products Asset-Based Lending Support for Various Property Types • Simplending Financial understands the time-sensitive nature of construction projects. With streamlined approvals, developers get the capital they need quickly, avoiding delays that can impact project timelines. • Simplending offers ground up construction loans specifically designed to match each project phase, from land acquisition to completion. With options like SimpleBuild, they cater to projects of all sizes with competitive rates and adaptable terms. • Focusing on the property’s future value, Simplending makes loan decisions based on project potential rather than solely on credit scores. This approach allows more developers to qualify for financing, especially those who may not meet traditional bank criteria. • Simplending Financial provides loans for single-family, multi-family, and commercial projects, giving developers flexibility to expand into diverse real estate markets.

5. Contact Us 713-321-0201 YOUR PARTNER IN GROUND UP CONSTRUCTION FINANCING info@simplendingfinancial.com www.simplendingfinancial.com Simplending Financial, 720 N Post Oak Rd, Suite 124, Houston, TX 77024