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One of our experienced and friendly real estate professionals will contact you as soon as possible (by E-mail or Phone) to discuss the next steps in the loan process. Our goal is to give you the fastest funding for your real estate project, with the best rates to grow your investment property portfolio to the next level! If you are inquiring outside of our business hours we will contact you when we return.

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Why Get a Ground-Up Loan with BrightPathLoans

BrightPathLoans' network of top local real estate lenders provides ground-up loans to deliver seamless financing for your new development. Approval times are often around 30 days, which ensures that you can expedite the start of your project and benefit from a 20% faster construction timeline. Our metrics also show a 15% drop in total project costs.

At BrightPathLoans, we provide flexible repayment options and competitive interest rates, which ensures affordability and convenience throughout your construction project.

If you need a ground-up construction loan of up to $3.25 million, Apply Here immediately to get started.

Enhanced Project Management

A ground-up loan also allows you to more effectively manage your new-build project and the financial responsibilities that come with it. You can allocate funds strategically, ensuring timely payments to suppliers and contractors. You'll avoid delays and maintain smooth progress, which should facilitate successful project completion.

Customized Loan Amounts

Ground-up loans can be tailored to meet the specific needs of yourself and the project you're working on. Lenders calculate the estimated project costs to offer the right loan amount. This level of customization ensures that you have access to the funds you need to complete your new-build without borrowing more than the project requires.

Lower Interest Rates

Compared to other types of financing, ground-up loans usually offer lower interest rates. A low interest rate can save you thousands of dollars over the life of the loan, which makes it a cost-effective option. Since lower interest rates reduce the total cost of the new-build, the project should benefit from better financial viability.

Some Words From Our Clients

See why businesses consistently choose BrightPathLoans' network of top local real estate lenders to get a Ground-Up Loan.

“Thanks to BrightPathLoans, we were able to build a duplex from the ground up. Their swift approval process allowed us to start construction 3 months earlier than projected. We recommend BrightPathLoans for experienced investors and rehabbers.”

Devon Dickson

“Getting a ground-up loan from BrightPathLoans was seamless. With a generous loan amount of $1.5M and an interest rate that was lower than what we found elsewhere, we decided to give them a try. We received our funds in less than a month and the property sold for 50% more than we expected.”

Don Walling

"We were very satisfied with BrightPathLoans customer service from the very start. Since this was our first ground-up project, we had a lot of questions about the process from funding timeline to payback terms. We ended borrowing less than what we planned on our new-build ($850,000) and are looking to work with them on our next project.”

Garret Larson

“We've gotten 3 loans through BrightPathLoans using their asset-based ground-up loans. They trust us and we trust them. Our last project we borrowed $2M for a multi-family project in Pacific Beach that witll be ready this fall. Highly recommend BrightPath!”

Trevor Nickson

“The pandemic was difficult on our construction company with the rising cost of materials. We are glad it's coming to an end and BrightPathLoans was ready to help us with our first post-pandemic new-build. We received $1.5M in less than 2 weeks!”

James Biorne

"I consider BrightPathLoans as more than just a lender but a long term partner. With every property that we build, BrightPathLoans is able to provide us with even more funding to fuel the growth of our small real estate investment company.”

Shania Levonsworth

Apply for a Hard Money Loan in 3 Easy Steps


Apply in Minutes

Simply fill out our online application form with basic information related to your ground-up, ground-up needs. Our friendly representatives will get back to you right away.


Upload Documents

Upload a few simple document related to your financial records to your business loan specialist.


Get Funded

Receive your special hard money loan offer from top lenders offering the current best rates and terms. Then, get your funds deposited directly to your bank account in just a few days.


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Ground-Up Loans FAQs

Working on a project from the ground up? Whether it is brand new ground-up or a tear down and rebuild, BrightPathLoans' network of top local real estate lenders carefully analyze your project's parameters and timeline and use that information to craft a customized loan package.

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A ground-up loan is a specialized form of financing designed to provide funds for the construction of a property, covering costs such as materials, labor, permits, and other expenses associated with the construction process.
We will typically finance up to 95% of the cost to build your home (land and construction cost). In some cases you can borrower your down payment and have it be an acceptable source of funds provided that the loan is secured by an asset in which you have sufficient equity and your income can support the required monthly payment.
Your monthly payments are interest only and are billed on a monthly basis. The amount of interest you are billed is based on the actual amount your builder has drawn against your construction loan. Your payments will gradually increase as your builder draws funds toward the completion of your home.
At BrightPathLoans, we have found that real estate investors with detailed project plans for construction have the best chance of successfully completing their projects. That’s why our construction management team works with borrowers to ensure that an accurate and feasible project plan is in place before a loan is originated.
Different lenders use different loan processes for construction draws during a construction project. Before you borrow money, make sure you understand what documentation you’ll need to provide for each draw, what fees you pay per draw, and more. This will help you ensure you have enough cash on hand to keep the project running while the draw process occurs.
Different ground-up construction lenders offer different amounts here. BrightPathLoans can lend up to 95% of lot purchase and construction costs, and up to 100% of construction cost of building if you are doing a construction project on a lot you own outright.

Why Choose BrightPathLoans

Same-Day Approval, Next-Day Funding

Our network of top local real estate lenders will get you your funds in the shortest time possible. We use the latest technology, while ensuring we still keep that friendly customer service. Funds deposited in as little as 24 hours following approval. Apply Now

Lowest Cost

BrightPathLoans leads with a commitment to affordability, providing real estate investment solutions with exceptionally low-interest rates. All of this would not be possible without our network of top local real estate lenders who have the best rates and terms for your real estate loan product.

Simplified Process

Our end-to-end lending process, from application to approval, utilizing our network of top local real estate lenders ensures a smooth and stress-free experience. Trust BrightPathLoans for straightforward and hassle-free real estate investment solutions tailored to your needs.


BrightPathLoans excels in the private mortgage sector, offering over a decade of experience and client satisfaction. Our track record of providing 1000s of loans for all levels of real estate investment funding sets us apart from the rest.

Get Your Ground-Up Loan Today

BrightPathLoans network of top local real estate lenders and award winning customer service is the best in the industry. If you are looking for a ground up construction loan with flexible guidelines, up to 80% LTC and max loans up to $3.25 Million, we got you covered!

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We are Here to Help

For more information, contact one of our friendly and experienced real estate professionals today.

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Ready To Move Your Real Estate Project Forward? See how much you qualify for.

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(866) 218-8231

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