Build from the Ground Up with Confidence

Flexible financing designed for builders and investors.

  • Fast Approvals

  • Competitive Rates

  • Funding for All Stages

At Bonafide Lending, we help you bring your vision to life. From vacant lot to completed project, our ground-up construction loans provide the funding you need—when you need it.

🏗️ Tailored for builders. Backed by experience. Transparent from day one.

🛠️ Ground Up Loan Program Highlights

  • Up to 85% Loan-to-Cost (LTC)

  • Up to 70% Loan-to-Value (LTV) on Completed Value

  • Terms: 12–24 months, interest-only

  • Loan size: $150K to $5M

  • Funds released in draws

  • No income documentation required

🏠 Property Types We Fund

  • Single-Family Residences (SFR)

  • 2–4 Unit Properties

  • Condos & Townhomes

  • Portfolio Loans (5+ doors)

🙋 Who Qualifies?

  • 580+ FICO

  • 12 months rental history preferred (not required)

  • U.S. Citizens, LLCs, Foreign Nationals

📋 How It Works — Step-by-Step Process

  • Submit Your Project – Provide lot details and plans

  • Review & Approval – Fast underwriting review

  • Funding & Draw Schedule – Get funds in stages as you build

  • Completion & Final Payout – Receive remaining funds upon completion

Start Building Today!

From concept to completion,

we’re your lending partner

every step of the way.

Your plans. Your pace. Our funding.

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