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Loan programs New construction loans

New construction loans for real estate investors building ground up

Ground-up projects demand careful coordination and reliable financing. Apollonia Equities provides new construction financing nationwide. We support every phase, from land preparation to final build-out, with flexible funding, structured draws and a team focused on execution. Our mission is simple: deliver capital when you need it so you can stay on schedule and bring your vision to life.

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/ Overview

What is a new construction loan?

A new construction loan is used to fund the development of a property from the ground up. These loans are structured around project timelines, construction phases and projected completion value. Builders and investors use them to finance land development, vertical construction and final completion.

/ Loan parameters

Program parameters

Loan amount
$250K–$10M
Rates
Starting at 8.99%
Leverage
Up to 90% LTC, 100% of construction budget, max 70% LTARV
Term
12–24 months
Minimum FICO
620

Apollonia Equities makes business-purpose loans secured by non-owner-occupied real estate. Not for consumer, personal, family or household use. All terms shown are indicative, represent maximum available parameters, and are subject to underwriting, appraisal, title, borrower experience and final credit approval. Maximum leverage and lowest advertised pricing are not available on every transaction or to every borrower. Loan amounts, rates, terms and timelines vary by program, market and asset. This is not a commitment to lend.

/ Why Apollonia

Why investors nationwide choose Apollonia Equities

  • Flexible draw schedules

    Funding is released in stages based on construction progress. We align draws with key milestones so you can manage costs effectively and maintain cash flow.

  • Structured for each phase

    Our financing is designed to support every phase of your project—from site prep and framing to finishing. This reduces friction, enables better planning and keeps your project on track.

  • Timely inspections & disbursements

    We schedule inspections promptly and release funds quickly to minimise downtime, allowing your contractors to keep working without interruption.

  • Reliable execution

    Missed timelines and uncertain funding can derail a deal. We focus on consistency, clear communication and delivering on our commitments so you can execute confidently.

Build with confidence

Successful construction projects depend on timing and reliable capital.

Ready to fund your next construction project? Connect with Apollonia Equities today to explore your new construction loan options.

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Get approved in 24–48 hours Direct lender No upfront fees

/ The difference

What makes our lending approach different

Traditional construction financing can be slow and restrictive, often creating delays at critical stages due to rigid structures, slow approvals, and inconsistent funding. In ground-up construction, timing and coordination are everything, and financing needs to move in sync with the build, not against it. At Apollonia Equities, we take a more practical, execution-focused approach, structuring new construction loans around real project timelines with flexible draw schedules, timely inspections, and funding designed to support each phase from site prep through completion. Our team works closely with builders and investors to ensure projects stay funded, structured, and on schedule from start to finish, helping you maintain momentum, control costs, and execute with confidence.

  1. We evaluate the build, not just the paperwork

    Each project is reviewed on its scope, feasibility, timeline, and projected completion value, so a well-planned build gets a fair look.

  2. We finance homes and small developments

    From single-family homes to small residential developments, we structure ground-up financing around the size and phasing of your project.

  3. We look beyond construction experience alone

    Experience helps, but it is not the only factor. Every project is evaluated individually, based on its scope and feasibility.

  4. We plan for what happens after completion

    Whether you plan to sell, lease, or refinance into a long-term rental loan, we structure your construction financing with that exit in mind.

/ FAQ

Common questions about new construction loans

How are construction funds released during the project?

Construction funds are released through draws as the project progresses. Draws are tied to the approved construction budget and completed work, helping developers access capital throughout the different stages of construction.

Are construction loans available nationwide?

Yes. Apollonia Equities provides construction financing to investors and builders across the United States.

What types of projects qualify?

We finance ground-up residential construction, including single-family homes and small developments.

Do I need construction experience?

Experience is beneficial, but each project is evaluated individually based on scope and feasibility.

How much can I borrow for a ground-up construction project?

Apollonia Equities offers ground-up construction financing of up to 90% loan-to-cost (LTC) and up to 70% of the completed property’s value (LTARV). The final loan amount depends on the land value, construction budget, projected completed value, borrower experience, and overall project.

What documents are needed for a new construction loan?

Typical documentation includes building plans, a detailed construction budget, project timeline, permits or approvals when applicable, borrower and entity information, and information on the general contractor. Apollonia Equities will also order the appraisal as part of the underwriting process.

What happens after construction is complete?

You can sell the property, lease it, or refinance into a long-term rental loan, depending on your investment strategy.

The financing you need to close more deals

Apollonia Equities is a direct private lender providing tailored real estate financing to investors and developers nationwide. From fix & flip and bridge loans to DSCR, multi family, and ground-up construction, we deliver flexible capital, efficient execution, and certainty of close.