Fast, Reliable Capital for Ground-Up Builds

Capital delivered with speed, structure and transparency for every stage of your build

Up to 90% LTC

Maximize leverage and keep more capital working

12-24 Months

Flexible timelines built around your project

Up to 100% of Construction

Covers your entire vertical build via a construction holdback

Closing In Days

Get financed in as little as 10 Days

Ground-Up Loan Terms

Starting Rate

9.25%*

Term

12-24 Months

Loan Amount

$100,000 - $10,000,000

Max Leverage

Up to 90% Loan To Cost (Land+Contruction)

Prepayment Terms

No Prepayment Penalty

Property Types

Single Family
Residential (2-4 Units)
Build To Rent & Build For Sale
Townhomes
Condos
PUD & Modular

Standard
Requirements

- Credit Application
- Last 2 bank statements (US)
- ID and Borrowing Entity docs
- Purchase Contract (If Purchase)
- Project budget/Scope of work
- Approved plans (If applicable)
- Track Record Sheet
- Contractors information
- Property Insurance

* Rates shown are starting rates and are subject to change without notice. Actual rates, terms, and conditions may vary based on borrower qualifications, loan amount, property type, and other factors. All loans are subject to credit approval and applicable underwriting guidelines. This is not a commitment to lend or an offer to extend credit. Additional terms and restrictions may apply.

How It Works?

The process is simple and designed to keep things moving. You apply online, get a quick pre-approval, and close in as little as 10 days so you can focus on the project instead of the financing.

Apply In Minutes

Submit your project details online

Get Approaved Fast

Lending decisions made quickly, often within 24–48 hours

Close in as Little as 10 Days

We move quickly so can move on your deal

Build With Confidence

Draws released quickly so your project keeps moving

Exit on Your Terms

Sell or refinance. No prepayment penalty

Ready to Build Your Next Project?

Decisions in 24-48 hours. Close in as little as 10 days.
No hard credit pull. Competitive rates designed for real estate investors.

No hard credit pull required

Quick answers to your lending questions

Learn about approvals, programs, and timelines

How is ALMI Lending different from traditional banks?
Who can apply for a loan?
How quickly can I get approved?
What types of properties are eligible?
What loan programs do you offer?
What are your typical rates and terms?