$8B+
10,000+
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
$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
$255,730
Location
Palm Bay, FL
Closed
January
2025
Loan Type
New Construction
Loan Amount
$1,522,920
Location
Rancho Mirage , CA
Closed
April
2025
Loan Type
New Construction
Loan Amount
$255,730
Location
Palm Bay, FL
Closed
January
2025
Loan Type
New Construction
Loan Amount
$377,059
Location
San Diego, CA
Closed
July
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
$1,799,092
Location
Atlantic Beach, FL
Closed
June
2025
Loan Type
New Construction
Loan Amount
$1,799,092
Location
Atlantic Beach, FL
Closed
June
2025
Loan Type
New Construction
Loan Amount
$1,522,920
Location
Rancho Mirage , CA
Closed
April
2025
Loan Type
New Construction
Loan Amount
$1,381,650
Location
Fort Lauderdale, FL
Closed
June
2025
Loan Type
New Construction
Loan Amount
$1,799,092
Location
Atlantic Beach, FL
Closed
June
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

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.

Rental Experience

Center Street Funding, specifically Kevin Braga and Matthew McLaughlin were great at getting the funding we needed to make some improvements on our rental property. They stayed in contact and provided updates during the entire process. We definitely will be using them again in the future.

Local NP
Easy Process

Process was easy to follow from application to funding. I was contacted by the processor to get necessary information and once it was done and taken care of, I got the word that everything is cleared and out for loan docs. Signed documents and the loan funded the next day. Easy process.

Andrew K.
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.
Broker Partner

I’ve sent several loans through Center Street as a broker and have nothing but good things to say about their process and people. Max Woodyard is responsive, sets realistic expectations, and always delivers. I’ll keep sending him deals—highly recommend Max and his team.

Cole G.
Impressive Expertise

Their precise timing and clear communication were key, especially since I was a new investor to their team. They navigated the process with impressive expertise, and I truly appreciate the trust they placed in me. I highly recommend them to anyone seeking a dedicated and…

Leo C.
Impressive Expertise

Their precise timing and clear communication were key, especially since I was a new investor to their team. They navigated the process with impressive expertise, and I truly appreciate the trust they placed in me. I highly recommend them to anyone seeking a dedicated and…

Leo 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.

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.