Construction Loans Ground Up in Palm Beach County Florida
Loan Program Overview
Our Ground-Up Construction Loans in Palm Beach County Florida are tailored for real estate investors, builders, and developers ready to break ground. GOTLOI funds shovel-ready lots and vertical construction projects for single-family, multifamily, and mixed-use developments. Whether you’re building in West Palm Beach or expanding in Boynton Beach, we provide fast approvals and flexible draws for your timeline.
How to Qualify
To qualify for ground-up construction financing, you need:
- A shovel-ready lot with permits in hand or pending
- A licensed contractor or builder agreement
- Detailed scope of work and budget
- Exit strategy: sell, refinance, or hold as rental
Property Types Eligible
Our ground-up loans cover:
- Single-family spec homes
- Duplexes, triplexes, and fourplexes
- Small multifamily (up to 10 units)
- Coastal and infill lots across Palm Beach County
Fast Funding Timelines
We close ground-up construction loans in as little as 7–10 business days. Our draw schedules are custom-tailored to your build phases—foundation, framing, MEP, and CO. Funds are disbursed quickly after inspections and title updates.
Trusted Local Lending Experience
With 1,000+ deals funded across Florida, GOTLOI knows the permitting and inspection challenges in Palm Beach County. From hurricane code requirements to flood zone risk, we help investors in Wellington, Delray Beach, Lake Worth, and more navigate every step with confidence.
What We Look For
Flexible draws and interest-only payments
Local underwriting that understands Florida building code and zoning
Funding even for self-employed or credit-challenged investors
No income docs 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