Ground-Up Construction Loans in Polk County Florida
At GOTLOI, we provide tailored ground-up construction loans in Polk County Florida, for real estate investors, builders, and developers seeking fast, flexible funding. Whether you’re building a new single-family rental or a multifamily income property from the ground up, our loan programs help you break ground faster—no income docs required.
Loan Program
Our ground-up construction loans are short-term, interest-only private loans designed for experienced builders and qualified investors looking to fund construction from land purchase through completion.
How to Qualify
– Proof of experience or licensed contractor support
– A full scope of work and budget
– Property located in Polk County or nearby areas
– A viable exit strategy (sale or refinance)
Property Types Eligible
– Single-family homes (SFR)
– Duplexes, triplexes, fourplexes
– Small multifamily properties
– Land parcels zoned for residential development
Fast Funding Timelines
We know time is money. That’s why we close in as little as 7–10 business days once plans and permits are in order. Minimal documentation. Maximum efficiency.
Our Experience in Polk County
GOTLOI has funded over 1,000 construction and rehab projects across Florida, including Lakeland, Winter Haven, Bartow, and other investor-friendly cities in Polk County.
Why Choose Private Construction Loans Over Bank Financing?
Local understanding of Florida permitting and hurricane-resilient design
Custom draw schedules
Faster approvals and closings
Experience with complex and phased projects
No income documentation required
Get Started Today
Get fast approval on your loan by applying now and speaking with a local Florida lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals.