Ground-Up Construction Lending

Ground-Up Construction Financing Built for Builders

From permit to certificate of occupancy — with milestone-based draws that keep your build on schedule and your crew on the job.

$3B+Total Funded
7,500+Loans Closed
48hrsAvg Close Time
2011In Business Since

Why Veristone Construction

Built for Builders Who Move Fast

Milestone-Based Draws

Capital released as each phase completes — not on an arbitrary bank calendar.

Interest-Only During Build

Minimize carry costs with interest-only payments throughout the construction period.

Up to $25M

Single-family specs to large multi-family developments — we scale with your project.

Program Terms

Construction Loan at a Glance

Rate Range

9–12%

Max LTC

85%

Loan Term

6–24 mo

Loan Size

$150K–$25M

Eligible Property Types

  • Single Family
  • Multi-Family
  • Townhome
  • Mixed-Use

Key Highlights

  • Milestone-based draws
  • Interest-only during build
  • Close in 48 hours

Simple Process

Get Funded in 3 Steps

1

Submit Your Project

Share basic details about your project, permits, and loan needs. No lengthy paperwork upfront.

2

Review & Approval

Our team reviews your project and follows up the same day with terms and a draw schedule.

3

Draws Begin at Each Milestone

Once funded, draws are released as each construction phase completes — keeping your crew on the job.

No Credit Impact

Pre-Qualify in Minutes

Our team will reach out with a term sheet tailored to your project — no obligation, no runaround.

Program Benefits

Everything You Get with Construction Loans

Built for builders and developers who need a lender that understands the full scope of ground-up construction.

Ground-Up Financing

Fund new construction from foundation to finish on residential and mixed-use projects.

Milestone-Based Draws

Capital released at each inspection-verified phase — keeping your crew working.

Interest-Only Payments

Minimize carry costs during the build period with interest-only structures.

Close in 48 Hours

In-house underwriting for projects with permits in hand.

Up to $25M

From spec homes to multi-family developments — we scale with you.

Cross Collateralization

Leverage equity across your portfolio to strengthen your construction deal.

Fill out the form below and a loan officer will follow up with you shortly.

Is this loan for an owner-occupied property?

Fast closings · Flexible terms · Direct lender

Talk to a Loan Expert About Your Project

Whether you have a deal under contract or are still scoping an opportunity, we'd love to hear about it. No obligation, no runaround.

Get a Quick Quote

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Oregon Mortgage Broker License #5288. Idaho Mortgage Broker License #8640. CA Lenders License #60DBO-186176. Veristone Capital operates as Veristone Mortgage NMLS #1106440, LLC in OR, ID and CA. AZ License #BK-2012246, Veristone Capital operates as Veristone Lending, LLC NMLS #2733717 in AZ. Investment loans made or arranged pursuant to these state licenses. This site is not authorized by the respective state departments of financial services for any other states.