Construction & Land Loans
Financing for ground-up construction, major rehabilitation, and land acquisition. Build your vision with flexible hard money solutions.
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Construction Financing for Investors
Construction loans provide capital for building projects beyond simple renovations. They use a draw structure—funds released in stages as construction progresses, ensuring capital is used appropriately. Learn more about construction loan terms in our glossary.
Hard money construction loans offer faster approvals (7-14 days) and more flexible terms than traditional construction financing, ideal for investors in Utah who need to move quickly on ground-up projects or major rehabs. Ryan Davies helps structure your construction loan and coordinates with our lending partners.
Whether you're building in Salt Lake County, Utah County, or anywhere nationwide, our construction loans provide the capital and flexibility you need.
Types of Construction Financing
Ground-Up Construction
Finance new construction from the ground up, including land acquisition and building costs.
Major Rehabilitation
Fund substantial renovations—structural changes, additions, or complete gut rehabs.
Land Acquisition
Secure land for future development while finalizing plans and permits.
Spec Building
Finance speculative construction for investors building to sell.
How Draw Structures Work
Funds are released in stages as construction progresses through defined milestones. Inspections verify work completion before each draw. This draw schedule protects both lender and borrower by ensuring funds are used appropriately.
Ground-up projects might have draws for foundation, framing, mechanical systems, and finish work. Major rehabs have milestones based on renovation scope. Learn more about fix & flip financing for renovation projects or bridge loans for transitional needs.
Key Considerations
- Detailed scope and budget required
- Experienced contractor preferred
- Realistic timeline with contingency
- Clear exit strategy (sell or refinance)
- Permits and approvals in place
- Reserves for cost overruns
Have a Construction Project?
Contact Ryan Davies directly to discuss your construction project structure.
Prefer to learn first? Check out our free education resources or use our deal calculators.