Whether you’re breaking ground on your next subdivision or bringing a vertical build to life, we provide tailored solutions that maximize leverage, reduce delays, and keep your vision moving forward.
Our ground-up construction loans are designed for both first-time builders and seasoned developers. Even without prior construction experience, you may still qualify if the project demonstrates strong fundamentals.
We allow land equity to be applied toward closing costs, helping reduce upfront expenses and making your project more financially attainable.
Black Swan Lending can finance up to 100% of both horizontal and vertical construction costs, giving you comprehensive support from the ground up.
Planning a new build? Our team is here to walk you through the process, answer questions, and explore the best options tailored to your goals.
Black Swan Lending provides ground-up construction loan solutions tailored to real estate investors at all levels—whether you’re a first-time builder or an experienced developer. Investors without prior construction experience can still qualify, depending on the strength of the project.
Our ground-up construction programs allow for the use of land equity toward closing costs and can finance up to 100% of horizontal and vertical construction expenses. If you’re planning a new build, we’re here to walk you through the process and explore your options.
Our ground-up construction loans help reduce upfront costs, so you can get started on your next project fast.
You (or your team) are ready to build and have:
Experience isn’t always required—as long as you have a qualified GC and a strong project.
Ground-up loans are short-term (typically 12–18 months). After completion, most borrowers:
15/01/2026
16/01/2026
08/01/2026
25/11/2025
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22/11/2025
27/11/2024
13/04/2022
20/05/2023
11/11/2022
14/11/2024
09/06/2022
11/04/2025
08/08/2024
30/09/2024
17/10/2024
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23/08/2024
05/08/2024
16/07/2025
Once your new construction property is rent-ready, reagh back out, and we can review possible rental refinance options!
At Black Swan Lending, we’re able to make exceptions for construction and rehab projects by qualifying your experience based on the licensed General Contractor (GC) overseeing the work. To do so, have a conversation with your GC to prepare the following required documents: GC Completion Guarantee, and Assignment of Contracts.
We can approve GCs for ground up construction with 3x permits pulled of any kind.
Our ground-up construction loans provide funds in stages, ensuring that money is allocated efficiently as your project progresses.
Example: If you’ve completed foundation and framing, you can request a draw for all of it at once. Or, if you just finished painting, you can get a small draw just for that. You stay in control of your financing.
No. You can take as many or as few draws as needed.
With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with hundreds of real estate investors on projects nationwide.
