πŸ“ž Fast Funding Available β€” Call / Text Now: 803-653-6293

Ground Up Construction Loans
From Lot to Finished Property

Swift Line Capital funds new construction projects from the ground up β€” residential, small commercial, and mixed-use. Fast draw schedules, flexible terms, and a lending team that understands builders.

Loan Highlights

Loan Amounts$150K – $5M+
LTC (Loan-to-Cost)Up to 85%
LTV (As-Complete)Up to 70%
Loan Terms12 – 24 Months
Draw ScheduleMilestone-Based
Approval Speed24–48 Hours
Credit Requirement660+ FICO

A Construction Lender That Moves at Builder Speed

Traditional lenders can't keep up with the pace of construction. We specialize in funding new builds quickly, with draw schedules designed to keep your project on track.

πŸ—οΈ Full Project Financing

We fund land acquisition, site prep, and vertical construction β€” one loan for the entire project lifecycle.

πŸ“… Flexible Draw Schedules

Draws are released at each construction milestone so your crew and suppliers stay paid on time.

πŸ“‹ Minimal Income Docs

We focus on the project pro forma, the builder's track record, and the as-complete value β€” not your tax returns.

🏑 Multiple Property Types

SFR, duplex, triplex, fourplex, townhomes, and small commercial or mixed-use projects all qualify.

πŸ—ΊοΈ Nationwide Lending

We finance ground-up construction projects in all 50 states β€” urban, suburban, and rural markets.

πŸ” Repeat Builder Programs

Volume builders and serial developers unlock streamlined underwriting and preferred pricing on repeat projects.

What We Need to Fund Your Build

  • βœ“ 660+ FICO credit score
  • βœ“ Detailed construction budget and project timeline
  • βœ“ Licensed general contractor (GC) required
  • βœ“ Land owned or under contract (land equity counts toward LTC)
  • βœ“ Approved building plans and permits (or in-process)
  • βœ“ Builder track record or project experience preferred
  • βœ“ LLC or corporate entity recommended

From Plans to Funding in Days

1
Submit Your Project

Share your plans, budget, lot info, and as-complete value estimate.

2
Term Sheet in 24–48 Hours

We review your project and send a detailed term sheet with loan amount, rate, and draw structure.

3
Appraisal & Underwriting

We order an as-complete appraisal and finalize the loan structure with your draw schedule.

4
Close & Break Ground

Funds are released at closing and subsequent draws are issued as each phase is completed and inspected.

Ready to Break Ground?

Submit your project today and get a term sheet within 24–48 hours. No commitment until you're approved.

Apply for a Construction Loan πŸ’¬ Text Us Now to Chat

Find Out What You Qualify For

Fill out the form below and a funding specialist will reach out to walk you through your options β€” no commitment required.