Construction Loans Ground Up in Pinellas County Florida
Loan Program
GOTLOI offers Ground-Up Construction Loans in Pinellas County Florida for real estate developers, builders, and investors ready to bring their projects to life. Whether you’re constructing a new single-family home in St. Petersburg or building a small multifamily in Largo, our private lending programs are structured to provide fast, flexible funding throughout each stage of the build.
How to Qualify
– A buildable lot under contract or already owned
– Approved architectural plans or pending permits
– A licensed builder or general contractor bid
– Construction budget and exit strategy (sell, refinance, or hold)
Property Types Eligible
– Single-family spec homes
– Duplexes, triplexes, and fourplexes
– Small multifamily or rental portfolios
– Mixed-use and infill lots in urban zones
Fast Funding Timelines
We close ground-up construction loans in as little as 7–10 business days. Draws are tied to project phases—foundation, framing, MEP, and final CO. Our local coordination with title, inspection, and permitting departments in cities like Clearwater and Gulfport keeps your project on schedule.
Local Lending Expertise in Pinellas County
We’ve funded 1,000+ investment projects across Florida, including dozens in Pinellas County. From navigating setbacks in Dunedin to dealing with hurricane-resistant construction requirements in St. Pete Beach, our team understands what it takes to build in coastal Florida. We assist with draw management, inspections, and final title updates to keep your project moving.
Why Private Lending Beats Banks
Ideal for coastal rebuilds or code-driven new construction
Experience with high-wind zone permitting and floodplain compliance
Higher flexibility on lot size, zoning, or use
No income verification or lengthy paperwork
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.