Construction Loans Ground Up in Columbia County Florida
At GotLOI.com, we specialize in fast, flexible ground-up construction loans for real estate investors and developers across Columbia County, Florida. Whether you’re building single-family homes in Lake City or developing a mixed-use project in Fort White, our team helps you secure funding with minimal red tape.
Ground-Up Construction Loan Program
Our construction loans are designed for new developments and infill projects. We finance land acquisition and vertical construction with interest-only payments and flexible draw schedules. These loans are ideal for investors building from scratch without relying on traditional bank financing.
How to Qualify
– Lot location and purchase agreement
– Construction budget and GC details
– Approved plans and permits
– Exit strategy (sale, refinance, or lease)
Property Types Eligible
– Single-family homes
– Duplexes, triplexes, and fourplexes
– Infill development lots
– Small multifamily or mixed-use projects
Fast Funding Timelines
Most construction loans close in 7–14 days. We work with local title companies, appraisers, and inspectors in Columbia County to ensure you get funded fast and your draws are released on time.
Trusted Lending in Columbia County and North Florida
We understand local building timelines, zoning laws, and permitting delays unique to Columbia County. Our team has funded 1,000+ projects from South Florida to North Florida. Trusted in communities from Miami to Jacksonville.
Why Private Construction Loans Over Banks?
Interest-only payments during construction
Flexible loan-to-cost structures
Close in weeks, not months
Loans for investors and developers—not just owner-builders
No income docs, no credit score minimums
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.