Construction Loans With
the Right Capital
Ground-up construction, spec home and development loans for builders and investors in Florida, plus short-term bridge loans. Funds are released in draws as the work is completed, with terms built around your budget, timeline and exit strategy.
One construction project.
Multiple ways to finance it.
Every project comes with a different financial picture. Some borrowers are building a custom home on land they already own. Some are developers breaking ground on spec homes or multifamily. Some are investors renovating a property to resell. Others need short-term capital to close quickly while a sale, refinance, or permanent loan comes together.
Financing options built for how projects
actually get built
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Ground-Up Construction Loans
A financing path for new builds and development projects, with funds released in draws as each phase of construction is completed.
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Fix and Flip Loans
A short-term option for investors who buy, renovate, and sell, with one loan covering the purchase and the renovation budget.
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Bridge Loans
A short-term financing option for borrowers who need to move quickly before a sale, refinance, permanent loan, or next stage of funding is complete.
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Ground-Up Construction Loans
For projects ready to move from plan to build
Ground-up construction loans are built for borrowers funding new homes, spec builds, and development projects. Instead of a standard mortgage structure, the loan is shaped around the project itself: the land, plans and permits, construction budget, builder, draw schedule, and completion strategy. Equity in land you already own may count toward what you bring to closing.
Best fit for borrowers who want:
- Funding for new construction or development projects
- A loan structure aligned with construction milestones
- Interest paid only on the funds drawn during the build
- A clear path to a permanent loan or sale at completion
Fix and Flip Loans
For investors who buy, renovate, and sell
Fix and flip loans give investors one financing path for the purchase and the renovation. Leverage is based on the purchase price, the rehab budget, and the after-repair value of the property, with renovation funds released in draws as the work is completed.
Best fit for investors who want:
- Financing for both the purchase and the rehab
- Loan sizing based on after-repair value
- Short terms built around the project timeline
- The option to refinance into a rental loan instead of selling
Bridge Loans
For real estate opportunities that cannot wait
Bridge loans provide short-term capital when timing is the biggest challenge. They can help borrowers purchase, refinance, or move forward while waiting for a property to sell, a permanent loan to close, or the next stage of funding to come together.
Best fit for borrowers who want:
- Short-term capital to move quickly
- Financing before a sale, refinance, or permanent loan closes
- A way to secure a property before the full capital stack is complete
- Flexibility when timing matters as much as approval
The right construction loan is about more than approval
Construction financing looks beyond income, credit, and land value. 4EverLending evaluates the budget, builder, timeline, draw schedule, liquidity, reserves, and exit strategy to structure loans around the project, not just the application.
Apply today and move your project forward
with confidence
Meet with your personal loan officer to structure the right construction financing path for your budget, timeline, and next project.
Apply Today and Finance With Confidence
Tell us about your situation and a 4EverLending specialist will reach out to help you find the right path forward — no pressure, just clarity.