Secure Capital for Ground-Up Construction Projects
Finance your next build with terms designed for construction timelines and project milestones.
Our New Construction Loan Program provides comprehensive funding from site acquisition through completion — with tiered leverage that rewards experience and project readiness.
New Construction Loans Highlights
Flex Financial offers comprehensive financing solutions for all your ground-up construction projects. With an 18-month term and rates starting at 10.99%, this program ensures your project is fully funded from beginning to completion.
Loan Criteria
Collateral:
Non-Owner Occupied Single-Family Properties; Condos; Townhomes
Term:
12 – 24 Months
Loan Amount:
$100k* – $2M
*Based on Max Loan Amount
Minimum Property Value:
$150K (As-Completed Value)
Rates:
Starting at 10.99%
Minimum FICO:
650
New Construction Loan Program Typical Leverages
ASSUMING ENTITLEMENTS, PERMITS & APPROVED PLANS
TIER 1
Completed 10 or More Ground Up Construction Projects
| INITIAL LOAN AMOUNT | MAX LOAN AMOUNT | |||
|---|---|---|---|---|
| MAXIMUM LOAN-TO-VALUE | Maximum LOAN-TO-COST | MAXIMUM AFTER-REPAIR VALUE | TOTAL LOAN-TO-COST | |
| PURCHASE | Up to 75% of the As-Is Value | Up to 80% of the As-Is Value | Up to 75% ARV | Up to 90% LTC |
| REFINANCE | Up to 75% of the As-Is Value | N/A | Up to 75% ARV | Up to 90% LTC |
TIER 2
| INITIAL LOAN AMOUNT | MAX LOAN AMOUNT | |||
|---|---|---|---|---|
| MAXIMUM LOAN-TO-VALUE | Maximum LOAN-TO-COST | MAXIMUM AFTER-REPAIR VALUE | TOTAL LOAN-TO-COST | |
| PURCHASE | Up to 75% of the As-Is Value | Up to 75% of the As-Is Value | Up to 70% ARV | Up to 85% LTC |
| REFINANCE | Up to 72.5% of the As-Is Value | N/A | Up to 70% ARV | Up to 85% LTC |
TIER 3
| INITIAL LOAN AMOUNT | MAX LOAN AMOUNT | |||
|---|---|---|---|---|
| MAXIMUM LOAN-TO-VALUE | Maximum LOAN-TO-COST | MAXIMUM AFTER-REPAIR VALUE | TOTAL LOAN-TO-COST | |
| PURCHASE | Up to 70% of the As-Is Value | Up to 72.5% of the As-Is Value | Up to 65% ARV | Up to 85% LTC |
| REFINANCE | Up to 67.5% of the As-Is Value | N/A | Up to 65% ARV | Up to 85% LTC |
TIER 3
| INITIAL LOAN AMOUNT | MAX LOAN AMOUNT | |||
|---|---|---|---|---|
| MAXIMUM LOAN-TO-VALUE | Maximum LOAN-TO-COST | MAXIMUM AFTER-REPAIR VALUE | TOTAL LOAN-TO-COST | |
| PURCHASE | Up to 70% of the As-Is Value | Up to 70% of the As-Is Value | Up to 65% ARV | Up to 82.5% LTC |
| REFINANCE | Up to 65% of the As-Is Value | N/A | Up to 65% ARV | Up to 82.5% LTC |
Why Choose Flex Financial
Built for Real-World Investors and Business Owners: Flex Financial is designed for borrowers who need certainty, speed, and flexibility—especially when traditional lenders slow deals down or say no.
Speed Without the Red Tape: We prioritize execution. Streamlined underwriting, direct decision-makers, and efficient processes allow us to move quickly from term sheet to funding—so you can secure opportunities before they disappear.
Flexible Credit & Income Requirements: We underwrite the deal, not just the borrower. Our programs accommodate low or imperfect credit, non-traditional income, and complex borrower structures.
Scalable Capital Partner: From $50,000 to $10 million, Flex Financial supports everything from single transactions to growing portfolios across California.
Trusted, Transparent Lender: Clear terms, upfront expectations, and no last-minute surprises. Built by professionals with deep California real estate and lending experience.