Capital that closes
in 7–10 days.
Not 7–10 weeks.
If you're ready to buy, we're ready to lend.
Built from the ground up.
GroundUp Lending is a nationwide hard money and private lender built for real estate investors who move fast. Up to 100% financing on the right deal, flexible terms, and an underwriting team that actually picks up the phone.
Quick Quote
Constraint: 90% purchase + 100% rehab. Indicative only — final terms based on full underwriting.
Seven products.
One lender. Every deal type.
From a single fix & flip to a 50-unit value-add multifamily, GroundUp has the program — and the speed — to make the deal work. Every product is underwritten in-house with one decision-maker on your file.
Fix & Flip
Acquisition + rehab capital for flippers. Up to 90% of purchase and 100% of renovation, draws released fast so your crew never waits.
- Up to 90% LTC
- 100% of rehab
- 12–24 month terms
DSCR Rental
30-year financing for buy-and-hold investors. Qualify on the property's rent, not your W-2. Single-family, 2–4 unit, and short-term rentals.
- No income docs
- 30-yr fixed available
- Cash-out refi friendly
New Construction
Ground-up financing for builders and developers. Lot, vertical, and infrastructure dollars released against a real schedule of values.
- Up to 100% of build
- Spec & infill
- Experienced & new builders
Bridge
Short-term capital between deals. Use it to acquire, season, stabilize, or refinance into long-term debt without losing the property.
- 6–24 month terms
- Interest-only
- Cross-collateral options
Transactional
Same-day A→B→C funding for wholesalers and double closers. Bring the contracts and the assignment — we'll bring the cash to the table.
- 1–3 day funding
- No credit minimums
- Title-driven approval
EMD Funding
Earnest money deposits funded in hours so you can lock up more contracts without tying up your own capital across multiple escrows.
- Funded in hours
- Flat-fee pricing
- No appraisal needed
Commercial
Capital for mixed-use, multifamily 5+, retail, industrial, and small-balance commercial deals. Acquisition, value-add, and bridge-to-perm.
- Up to $25M+
- Multifamily & mixed-use
- Value-add programs
Talk to a real underwriter — not a chatbot.
Commercial deals,
underwritten like a partner.
From small-balance multifamily to value-add mixed-use, GroundUp Lending closes commercial real estate with the speed of private money and the structure of an institution. Bridge, bridge-to-perm, value-add, and acquisition capital — nationwide.
Multifamily 5+
Stabilized and value-add apartment communities, 5–200+ units.
Mixed-Use
Ground-floor retail with residential above. Major metros and growing secondary markets.
Retail & Strip Centers
Anchored and unanchored retail, single-tenant NNN, and small shopping centers.
Industrial & Flex
Warehouse, light industrial, flex space, and small-bay industrial parks.
Office (Select)
Medical office, owner-user, and small-balance professional office in strong submarkets.
Self-Storage & Specialty
Self-storage, automotive, and other specialty commercial assets case-by-case.
Programs we close on commercial deals:
- → Bridge & bridge-to-perm
- → Value-add reposition (rehab + lease-up)
- → Acquisition with rate-lock options
- → Cash-out refinance on stabilized assets
- → Construction completion & gap funding
Send the deal. Term sheet in 48 hours.
Submit the OM, rent roll, and operating statements and we'll come back with indicative terms — no broker spread, no committee runaround.
Built for operators
who don't have time to wait.
We work with new investors closing their first deal and seasoned operators running portfolios across multiple states. If you're moving real estate, we're built for you.
Fix & Flip Investors
Active operators who need rehab capital and a lender that can keep up with their pace.
Wholesalers
Assignors and double-closers funded with EMD and transactional capital — same day when needed.
New Construction Builders
Spec builders, infill developers, and small-balance ground-up projects nationwide.
Buy-and-Hold Landlords
DSCR 30-year financing for single-family, 2–4 unit, and short-term rental portfolios.
Commercial & Multifamily Investors
5+ unit multifamily, mixed-use, retail and small-balance commercial real estate.
From application
to funded — in days.
No 40-page applications. No mystery underwriting black box. A real human reviews your deal, prices it, and tells you yes or no — fast — so you can keep moving.
Apply in minutes
Submit your deal through our short intake form — no soft pull, no commitment.
Term sheet in 24 hours
We underwrite the deal, not just the borrower. You'll have indicative terms within one business day.
Underwriting & docs
Title, valuation, and docs run in parallel. Dedicated processor keeps every party moving.
Close in 7–10 days
Sign, fund, and start the project. Future deals close even faster once you're in our system.
Real deals. Real closings. Coast to coast.
A small sample of recent projects funded by GroundUp Lending. Every closing represents an investor who picked up the phone — and got their capital fast.
* Representative project examples. Loan figures and locations illustrative.
We started GroundUp Lending because every investor we knew was tired of slow lenders.
GroundUp Lending is a nationwide private lender focused on one thing: getting real estate investors to the closing table — fast. We underwrite the asset, the plan, and the operator. Not just a credit score.
Our team has funded fix & flips in suburban neighborhoods, ground-up new construction in growing metros, and value-add multifamily across the country. We've been on the borrower's side of the table — which is why our process feels different.
One point of contact. Straight answers. Pricing that matches the deal. That's how lending should work — and how it works here.
Trusted by operators
closing deals every week.
We measure success by closed deals, repeat borrowers, and referrals. Here's what some of the investors we work with have to say.
GroundUp closed our 9-day flip with 100% of the rehab funded. Wires hit the table when they said they would. That alone is worth its weight in gold when contractors are waiting.
I run three ground-up builds at a time. GroundUp's draw process is the cleanest I've used — submit photos, get released same week. My subs love it.
DSCR refi on four rentals in under three weeks. No tax returns, no W-2 hassle, locked in a great rate. They speak investor.
Same-day EMD and transactional funding on three back-to-back assignments. They're the only lender I keep on speed dial.
* Sample client experiences. Names anonymized. Individual results vary.
Straight answers.
Let's get your
next deal funded.
Tell us about your deal and we'll come back with indicative terms within one business day. No soft-pull on credit. No spam.