New Construction Loan
New Construction Loans Built Around Your Vision
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Building from the ground up requires the right financing partner. Transform Funding offers New Construction Loans designed to support residential and commercial projects at every stage—from land acquisition to final build. Whether you’re a developer, investor, or homeowner, we help turn plans into progress with structured, reliable funding.
Our construction loan programs provide flexible draw schedules, competitive rates, and clear timelines that align with your build phases.
Funds are released as milestones are completed, allowing you to manage cash flow efficiently while keeping your project moving forward. We work closely with borrowers, builders, and inspectors to ensure a smooth process from start to finish.
At Transform Funding, we simplify construction financing by handling the complexity on your behalf. Our team guides you through approvals, documentation, and inspections while keeping communication clear and expectations aligned. With experience across a wide range of construction projects, we’re here to help you build with confidence and close with success.
New Construction Loan Details
Borrower Requirements:
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• No Individuals. Borrower must be an LLC or Corporation.
• Minimum 660 credit score. Exceptions considered with compensating factors.
• Must have demonstrated experience of similar property types and size in the last 18 months. Demonstrated experience is evidenced of completed and sold or stabilized inventory. GC experience may not be counted unless the GC becomes a guarantor of the project.
• Liquidity ≥ 5%. May not included earnest money deposited towards the sale of the finished project.
• Personal Guarantee preferred; Limited Guarantee considered with 50bps fee paid at closing (may not be rolled into the loan balance).
• Maximum Guarantor Loan Commitment with Dominion Investor is $50,000,000. Exceptions considered for large regionals or repeat.
Term: 18 Months
Purpose: Vertical new construction financing on build- ready lots​
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Property Types: SFR, Condo, 2-4 Unit Properties, Townhouses
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Loan Amounts:
Min. Loan Amount $500,000
Max Loan Amount Per Unit $3,000,000
Max Loan Amount $20,000,000
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Total Units:
Multiple properties per loan allowable if in the same jurisdiction
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As Repaired: < 65%
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Day 1 LTV: < 60%
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LTC: < 85%
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Funds at closing:
For acquisition and reimbursement of Construction Costs.
Monthly payments: ​Interest Reserve required for the full term. Monthly payments with an additional 50bps Fee and proof of > 10% liquidity.
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General Requirements:
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All lending for investment purpose only​​​
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Interest calculated on drawn balance unless Gross interest is selected.
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Construction draws based on inspection report or supporting documentation
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1st Lien Position always
This is not a commitment to lend. Actual rates and terms depend on a variety of factors and restrictions may apply. Transform Funding LLC reserves the right to amend rates and guidelines without notice.
Still Have Questions?
Our team is here to help you navigate your financing options with clarity and confidence. Speak directly with an experienced lending specialist to discuss your deal, review your goals, and explore loan structures tailored to your specific investment strategy. We’ll walk you through the process, answer your questions, and help you determine the best path forward—no pressure, no obligation, just straightforward guidance you can trust.