GROUND-UP CONSTRUCTION
Nationwide
$100M+ deployed•Institutionally backed•Direct lender — not a broker
The unfair advantage every builder wants
More Leverage. Lower FICO. Bigger Loans. Closes in 10 days.
Ground-up construction capital for builders who move fast — funded by an institutional partner, so your draws fund and the money never dries up mid-project.
Min FICO
620
vs 680 market
Max LTC
92.5%
vs 85% market
Max AR-LTV
75%
vs 70% market
Max Loan
$4.5M
vs $2M market
Max Term
24mo
vs 12mo market
Close In
10 days
vs 30+ days market
Start here
See if your deal fits — in 60 seconds.
- ✓Term sheet in 60 seconds
- ✓No credit pull, no cost, no obligation
What builders say.
★★★★★
"Closed our spec build in 9 days. The leverage let us start two more projects this quarter instead of waiting on the bank."
— M. Alvarez, Phoenix AZ
★★★★★
"Got a real term sheet the same afternoon. Draws funded in 48 hours every single time. That's not normal in this business."
— J. Whitfield, Charlotte NC
★★★★★
"92.5% LTC on a ground-up was the difference between doing the deal and walking away. Spark made it work when three other lenders couldn't."
— R. Tanaka, Austin TX
Stop waiting on your bank.
Term sheet in 60 seconds. Close in 10 days. Tell us about your deal.
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