$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
$1,194,207
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
$13,000,000
Location
San Mateo, CA
Closed
August
2025
Loan Type
New Construction
Loan Amount
$255,730
Location
Palm Bay, FL
Closed
January
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
$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
$464,557
Location
Raleigh, NC
Closed
April
2024
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
$1,792,050
Location
Scottsdale , AZ
Closed
July
2025
Loan Type
New Construction
Loan Amount
$1,381,650
Location
Fort Lauderdale, 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
$2,135,029
Location
Fort Lauderdale, FL
Closed
April
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.

Fast & Repeatable

I have closed a few loans with this company. I really had a great experience with the entire team at CSL throughout our loan process. CSL was very prompt and professional in keeping us updated throughout the process. They made the process really stress free and enjoyable from start.

Umar M.
Longtime Client

Most recently I landed a deal and closed escrow on a great property thanks to Erik's above average customer service skills, the other investors I was competing against could not communicate with the sellers agent, Erik was on top of it in minutes giving the agent the reassurance…

Marvin D.
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.
Smooth & Straightforward

Center Street Lending made our client’s home purchase smooth and stress-free through professionalism, expertise, and clear communication. The team was responsive, transparent, and supportive, addressing every question with patience. CSL is a reliable lending partner we highly recommend.

Law O.
Seamless Process

From start to finish, their professionalism, expertise, and dedication made the process seamless and stress-free. The team’s deep construction lending knowledge and clear communication made complex concepts easy to understand. Truly outstanding service.

David E.
Custom Build Success

Center Street Lending made our dream of building a custom home in San Diego possible when others couldn’t—and they’ve since funded multiple projects for us. Honest guidance, seamless processes, and competitive rates make CSL a trusted partner we’ll work with again.

Christopher E.
Rapid & Efficient

Jeremiah and his team over at CSL are my go to hard money lenders. Their team is knowledgable, and their process for getting loans approved is rapid and efficient. I would highly recommend working specifically with Jeremiah due to his impeccable communication.

Aviv 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.