Call our team of experts to learn more about what Lima One has to offer.

Give us a call at:

Borrower Sales: (833) 315-5112
Broker Sales: (833) 315-4404

Or email us at:

hello@limaone.com

Lima One New Construction Lender

Ground-Up Construction Financing Without Bank-Related Headaches

Empowering Builders by Building Strong, Reliable Relationships

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Explore Our New Construction Loan Types:

installing tiles

When You’re Ready To Go Vertical, Lima One Is Ready To Roll.

We won't hold you back. With our new construction loan programs, we reduce restrictions so you can scale. When you’re ready to start on your next build, we’ll set your maximum exposure and work hard to get you to closing as quickly as possible. And here’s the best part: once your first Lima One deal is done, it’s plug-and-play from there. When you’re ready to leverage your equity and fuel your next project, just send us your application, budget, and plan set. Once we get those, it’s a fast track to closing.

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New Construction

New Construction

Whether your strategy is Build to Rent or Build to Sell, we specialize in vertical construction financing on infill, shovel-ready, fully entitled land on single builds or developments.

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Program Highlights
  • Up to 90% LTC, 70% LTARV
  • Loans from $100K to $5M
  • 19- and 24- month loan term options
  • Interest-only new construction loans, paying only on drawn funds
  • Fast draw process, funds in as little as four days
  • 1 - 4 Units
  • Rates as low as 10.2%
  • Cashout Refinance Option Available
  • Use fix & flip experience to qualify for new construction financing

90%LTC High Leverage

Get more of the capital you need to get more deals done

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Build2Rent®

Build2Rent®

Two-close loan program (one for build, one for the rental) that tackles the build-to-rent strategy.

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Program Highlights
  • Single property and portfolio loan options
  • Fast, simple closings on both the construction loan and rental loan
  • 19 & 24-month term options for the construction
  • Choose a fixed or adjustable rate mortgage on the rental loan
  • Flexible terms available: fixed rate, interest-only, ARM
  • Discounted fees on a refinance to rental loan
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BridgePlus

BridgePlus

Free up working capital with a bridge loan for new construction financing on completed new home inventory.

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Program Highlights
  • Fast closing
  • Exterior-only valuations
  • Up to 80% LTV purchase / 75% LTV refinance
  • Non-recourse available
  • 13, 19 & 24-month term options
  • Single loans and portfolio blanket loans

Project Types

We Take the Limits Off New Construction

We work with builders of all types, and we’ve seen just about every kind of residential construction project. That means we’re comfortable with a wide variety of projects and strategies. It also means we know how to provide financing across a broad spectrum of construction projects without holding you back.

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Spec Builds
spec houses
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Spec Builds
spec houses

You’ve got a knack for building houses that appeal to buyers in your market. We have a knack for finding the lending solution that maximizes your profit.

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Scrape and Build
high-end homes
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Scrape and Build
high-end homes

Removing a distressed property and building a beautiful new home in its place is a great way to improve a neighborhood and add new inventory to the market. Yes, we finance this strategy.

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Subdivisions
subdivisions
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Subdivisions
subdivisions

If you have a vision for building small or medium developments — or sections of larger developments — on available land, our team will help you figure out the scope of the project and the best.

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Custom Homes
custom homes
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Custom Homes
custom homes

From affordable homes with builder-grade finishes to high-end properties with custom finishes, we can finance new construction at any price point. We're no strangers to financing custom and luxury homes.

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Infill Projects
infill projects
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Infill Projects
infill projects

Do you have an entitled lot that simply needs financing? Whether it's in an urban or suburban area, take an opportunity that’s in a development and build a new property within an existing neighborhood.

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Customer Experience

Draw Funds in Four Days? Boost Your Speed To Build.

Getting the funds you need quickly is critical to the success of your construction project, whether you’re building a new single-family home or breaking ground on a new development. We’ve designed our draw process for speed,  putting money in your account within four days and giving you the financial freedom to execute your strategy as fast as possible.

Get a Quote Customer Experience

Lima One vs. The Bank: The Tale of the (Red) Tape

If you’ve ever tried to get new construction financing through a traditional bank, you know the frustrations of wading through endless documentation, verifications, and approvals. We’re not saying banks get it wrong — we’re just saying we do things differently.

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The Banks Requirements

Complex and Time Consuming

  • Income Documents
  • Entity Documents
  • Personal Tax Returns
  • Financial Statements
  • Business Tax Returns
  • Market Valuations
  • Arm and/or Leg
(Lender’s Discretion)

We Help Builders Do What They Do Best.

See how we’ve funded construction projects like yours.

Case Study

Greenville, SC

301 Margaretta Drive in Greenville, SC

A luxury home builder used Lima One’s flexible financing and in-house servicing to ensure a profitable exit.

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$1.155M

Loan Amount

$1.65M

After-Repair Value

Still Have Questions?
Need More Details? Ready To Go?

Whatever you need, we’re here to help. Reach out today.

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