$7.5B+
9,750+
16+
4.8 / 5
100%

Ground-Up Construction Loans

Ground-up construction loans and financing structured to your unique needs with flexibility and an unwavering commitment to service.
Loan Type
New Construction
Loan Amount
$1,522,920
Location
Rancho Mirage , CA
Closed
April
2025
Loan Type
New Construction
Loan Amount
$464,557
Location
Raleigh, NC
Closed
April
2024
Loan Type
New Construction
Loan Amount
$13,000,000
Location
San Mateo, CA
Closed
August
2025
Loan Type
New Construction
Loan Amount
$1,194,207
Location
Miami , FL
Closed
February
2024
Loan Type
New Construction
Loan Amount
$464,557
Location
Raleigh, NC
Closed
April
2024
Loan Type
New Construction
Loan Amount
$1,381,650
Location
Fort Lauderdale, FL
Closed
June
2025
Loan Type
New Construction
Loan Amount
$1,194,207
Location
Miami , FL
Closed
February
2024
Loan Type
New Construction
Loan Amount
$255,730
Location
Palm Bay, FL
Closed
January
2025
Loan Type
New Construction
Loan Amount
$2,135,029
Location
Fort Lauderdale, FL
Closed
April
2025
Loan Type
New Construction
Loan Amount
$2,135,029
Location
Fort Lauderdale, FL
Closed
April
2025
Loan Type
New Construction
Loan Amount
$13,000,000
Location
San Mateo, CA
Closed
August
2025
Loan Type
New Construction
Loan Amount
$377,059
Location
San Diego, CA
Closed
July
2025
Loan Type
New Construction
Loan Amount
$464,557
Location
Raleigh, NC
Closed
April
2024
Loan Type
New Construction
Loan Amount
$255,730
Location
Palm Bay, FL
Closed
January
2025
Loan Type
New Construction
Loan Amount
$13,000,000
Location
San Mateo, CA
Closed
August
2025

Why CSL Ground-Up Real Estate Loans and Acquisition, Development & Construction (AD&C) Loans Are Different

Get the personalized ground-up real estate loan you’re looking for.

In-House Servicing & Fund Control

Our team of in-house expert ground-up construction hard money lenders is here to provide tailored financial solutions for real estate developers and residential investors without the time lag or cookie-cutter funding.

Minimal Documentation

Our commitment to clear communication and customer success ensures a seamless borrowing experience with less unnecessary paperwork for you.

Competitive Pricing

With no hidden fees, transparent communication, and reliable results, CSL has your back for all your short-term rental loan funding.
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Loans Provided to Customers Like You
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Projects Funded
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Years in Business
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On Google Reviews
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In-house draws and servicing

Ground-Up Construction Program Criteria

What you can expect
Loan Amount Range
From $200K up to $10MM
Credit & Background
680+ FICO score required, background check included
Bank Statements
Two most recent months required
Builder Experience
Must have ground-up construction experience
Loan Term Length
Typically 9 to 18 months

Lending throughout the United States.

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Is your state not listed? You’re not blacked out. We can help lend in your state with a case-by-case scenario. Get in touch to see what we can do for you.
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Read real client reviews.

Our reputation is built on trust, great service, and results that keep borrowers coming back.

Flippers’ Ally

As new house flippers in Maryland, we’re so grateful to Jeremiah and Will at Center Street Lending for making the impossible possible. With little time to save our deposit, they worked fast and professionally to secure funding and close. An amazing, dedicated team to work with.

Sury R.
Broker Partner

Loved working with Center Street and Jeremiah's team!! We brokered it to them and they treated it like it was one of their direct clients. They had full ownership over the transaction, which is EXTREMELY rare. I will always work with them.

Bri N.
Professional Service

The team at Center Street Lending stepped in after my previous lender fell through and successfully closed on my investment property. They were responsive, professional, and helpful, and I plan to work with them again.

Christie G.
Our "Go To" Team

Robert Newcomer, his associate Hunter and their processor Andrea were by far the most responsive, courteous and effective "PROS" I've ever closed a loan with. Center Street Lending is now our "go to" team. We have 4 additional loans being processed and look…

Ed C.
Responsive Team

Center Street Lending delivers exactly what is promised with excellent communication and seamless follow-through. The team stayed on top of every step, ensuring a smooth, surprise-free closing. Their professionalism and collaboration make CSL a trusted partner I look forward to working with again.

Zachary L.
Repeat Borrower

I had the pleasure of working with Tanner Podres, a loan officer at Center Street Lending. Tanner is one of the best I’ve worked with—knowledgeable, easy to work with, communicates well, and always answers questions. Keep up the great work, Tanner!

Francky C.
Multifamily Success

The Center Street team closed quickly and the closing was as they promised for our multi family loan. We plan to use them in the future and would highly recommend them to other investors.

Jeff Z.

Ready to take the next step?

Get started with an easy, online application. After your submission, a loan origination manager will reach out to you in the next 24 hours to discuss your loan scenario.