# Ground-up construction Loans in Florida

> Explore Florida ground-up construction financing, a tailored loan calculator, illustrative deals and the documents to prepare for your property review.

Canonical page: https://hardmoneylendersflorida.net/florida-ground-up-construction-loans

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Florida Ground-up construction

## Ground-up construction financing. Built around your deal.

From a ready site to a finished property. Explore a Florida investment-property scenario, run the numbers and share your plan.

[Discuss your Florida deal](https://hardmoneylendersflorida.net/submit-your-deal) [Explore the numbers](https://hardmoneylendersflorida.net/#calculator)

Illustrative property photography

Who this is for

## Start with the strategy.

### Ground-up construction in Florida

Builders and investors developing residential investment property.

Separate land basis, hard costs, soft costs and contingency. A draw schedule should follow construction milestones, with interest assumptions tied to expected outstanding balances.

Have these ready

- Plans

- permit status

- contractor agreement

- line-item budget

- schedule

- land contract or deed

Program availability and terms are subject to review.

Investor resources

## Prepare before you compare.

[First hard money loan? Start here](https://hardmoneylendersflorida.net/florida-hard-money-loans-for-beginners)  [Questions to ask a Florida lender](https://hardmoneylendersflorida.net/choosing-a-florida-hard-money-lender)

Private lenders for construction loans

## Compare private construction funding by milestone.

For a Florida construction request, identify whether land acquisition and building costs belong in one facility or separate stages. Document land basis, plans, permit status, builder agreement, hard costs, soft costs and contingency.

Ask how inspections, draw approvals and reimbursements work. Match the interest-carry model to anticipated outstanding balances, then test a slower draw schedule and a later completion date. Confirm the repayment or refinance plan before relying on the projected completed value.

[Compare written financing proposals](https://hardmoneylendersflorida.net/choosing-a-florida-hard-money-lender)

Plan your financing

## Move the sliders. See the numbers.

Explore an illustrative scenario. Change any assumption to see how it affects the estimate.

Interactive calculator: [read the calculation methods and assumptions](https://hardmoneylendersflorida.net/calculator-methodology.md), or [use the calculator](https://hardmoneylendersflorida.net/calculators). Outputs are illustrative estimates, not loan quotes.

Example financing scenarios

## See a relevant financing scenario.

Illustrative financing scenarios, not actual company closings or offers.

[Illustrative deal](https://hardmoneylendersflorida.net/deal-naples-new-build)

Naples, FL · Ground-up construction

### [A new coastal home takes shape](https://hardmoneylendersflorida.net/deal-naples-new-build)

**$2,200,000**

Example loan amount

- **Completed value**: $3,500,000

- **Loan / value**: 62.9%

- **Example term**: 18 months

- **Example closing**: 18 days

[View the scenario](https://hardmoneylendersflorida.net/deal-naples-new-build)

[Explore all deal examples](https://hardmoneylendersflorida.net/recently-funded)

What to expect

## A clear conversation from the start.

### Understand the next step

Discuss the information needed to review your property and financing request.

### Review the numbers

Talk through costs, conditions and the proposed repayment plan before making a decision.

Good questions

## Questions about ground-up construction?

Know what to expect before you take the next step.

[Talk through your deal](https://hardmoneylendersflorida.net/submit-your-deal)

### Is this a loan quote?

No. Calculator outputs and example deals are illustrations. A loan request must be reviewed before any offer is made.

### What will the team need to review?

Plans; permit status; contractor agreement; line-item budget; schedule; land contract or deed.

### Can a Florida deal close in 48 hours?

Funding depends on approval, complete documentation and closing readiness. A target is not a guaranteed closing time.

Across Florida

## Local detail matters.

[**Miami** Miami-Dade County](https://hardmoneylendersflorida.net/miami-hard-money-loans) [**Fort Lauderdale** Broward County](https://hardmoneylendersflorida.net/fort-lauderdale-hard-money-loans) [**West Palm Beach** Palm Beach County](https://hardmoneylendersflorida.net/west-palm-beach-hard-money-loans) [**Orlando** Orange County](https://hardmoneylendersflorida.net/orlando-hard-money-loans) [**Tampa** Hillsborough County](https://hardmoneylendersflorida.net/tampa-hard-money-loans) [**Jacksonville** Duval County](https://hardmoneylendersflorida.net/jacksonville-hard-money-loans) [**St. Petersburg** Pinellas County](https://hardmoneylendersflorida.net/st-petersburg-hard-money-loans) [**Naples** Collier County](https://hardmoneylendersflorida.net/naples-hard-money-loans) [**Boca Raton** Palm Beach County](https://hardmoneylendersflorida.net/boca-raton-hard-money-loans) [**Miami Beach** Miami-Dade County](https://hardmoneylendersflorida.net/miami-beach-hard-money-loans) [**South Florida** Regional guide](https://hardmoneylendersflorida.net/south-florida-hard-money-loans)

## Your next move starts here.

Tell us about the property. Let’s get clear on what comes next.

[Submit your deal](https://hardmoneylendersflorida.net/submit-your-deal)

## Site-wide context

Funding is subject to underwriting, approval, complete documentation and closing readiness. Availability and terms depend on the property, location and transaction. A 48-hour target is not a guaranteed funding commitment. Calculator figures and deal examples are illustrative, not offered terms or actual company closings. Property and people photography does not depict actual staff, borrowers or funded transactions.