Construction Loans Ground Up in Bay County Florida
Loan Program Overview
Our construction loans are designed to support investors building from the ground up. We fund land acquisition and vertical construction with flexible draw schedules, custom loan terms, and no income documentation requirements.
How to Qualify
– Submit a clear scope of work
– Provide construction plans and permits
– Outline your exit strategy (sale or refinance)
– Share any relevant past experience (not required)
Property Types Eligible
– Single-family residences
– Duplexes, triplexes, and townhomes
– Small commercial properties
– Infill and urban redevelopment projects
Fast Funding Timelines
Avoid bank delays. Most loans fund in 7–14 business days, with Bay County-based draw inspectors and flexible disbursement schedules. We know the local process—permit delays, inspection protocols, and zoning requirements.
Trusted Local Lending Experience
GotLOI has funded over 1,000 construction and renovation projects across Florida. We understand hurricane zone build codes, Bay County permitting rules, and the timelines real estate investors face. From Miami to Jacksonville and Tallahassee to Cape Coral, we’re trusted by Florida’s investor community.
Why Choose Private Lending Over Banks?
Local inspectors and builders welcome
Custom draw schedules
Close faster—10–14 days
No tax returns, W-2s, or paystubs needed
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