Construction Loans Ground Up in Indian River County Florida
GOTLOI offers tailored ground-up construction loans in Indian River County, Florida. Whether you’re building new residential or small commercial properties in Vero Beach, Sebastian, or Fellsmere, our hard money loans are built to move as fast as your project demands.
Construction Ground Up Loan Program
Our ground-up construction loans are ideal for investors, developers, and builders looking to finance land acquisition and vertical construction. We provide flexible terms, quick closings, and rehab draws based on your construction schedule.
How to Qualify
To qualify for a construction loan in Indian River County, you’ll need:
- A viable land deal under contract
- A detailed construction budget and timeline
- Approved architectural plans or scope of work
- Clear exit strategy (sell or refinance)
Property Types Eligible
- Single-family homes
- Duplexes, triplexes, and townhomes
- Small-scale commercial buildings
- New construction investment projects
Fast Funding Timelines
Close in as little as 10–14 days. We fund up to 90% of construction costs with flexible draw schedules. No tax returns or income verification required. All draws are inspected locally and released promptly.
Experience in Indian River County
We've financed over 1,000 investment projects across Florida and understand the local permitting process, hurricane risk zones, and inspection protocols in Indian River County. We work with local contractors and municipalities to ensure your build stays on track.
Why Choose Private Construction Loans?
Local inspectors and same-day draw approvals
Flexible terms for phased construction
Quick closings in under 2 weeks
Interest-only payments during construction
No income or employment verification
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