Ground-UP Construction Loans For Spec Builders
Get Pre-Approved to Fund Your Next 10 Builds in 24 Hours
We fund the land acquisition, vertical construction, finance interest reserves, and 24-hour draws – so you can acquire more lots, build more homes and scale your business. No bank statements, no tax returns.
- Rates starting at 8.99%. 90% LTC
- One-Time Close on Land, Horizontal, and Vertical.
- 75% of Land, 100% Construction, and 6 months financed interest
- Close In 3-4 Weeks. Soft Credit Pull.
680+ Credit and 3 Completed Builds to Qualify.
Fill out the short application below to see how much you can get pre-approved for.
Institutional Trust
Hear from the developers and contractors scaling their businesses with HML’s specialized capital facilities.
Leverage
90% LTC
Speed
24-Hour Pre-approval
No Bank Statements.
Capacity
$20M+ Exposure Limit
Draws
Snap Draws™ in 24h
The Terms, Up Front.
Here’s the box we lend in.
Loan Structure
Starting at 8.99%
$1M – $100M+
Rate Structure
Fixed, interest-only, no prepay
Snap Draws™ in 24 hrs
Eligible Properties
1–4 Unit Residential
Spec homes, duplexes, triplexes, and fourplexes.
10–50 Lot Subdivisions
Phased financing structured around your absorption rate.
Land, horizontal development, and vertical construction all in one closing.
Mid-Construction Takeouts
Already broke ground with a slow lender? We'll take you out and finish under one stack.
Final rate and LTC depend on track record, market, and project economics.
Pre-set pricing for your next 18-24 months of inventory
We Don't Just Approve Projects. We PreApprove Pipelines.
Most lenders make you re-apply for every deal. We approve you once, set your terms, and fund every project that fits the box — for the next 18–24 months.
WHAT MOST LENDERS DO
Re-qualify you on every project
Tax returns + income verification
60–90 day close
5–10 day draw funding
$1–2M exposure cap
Negotiate rate every deal
Equity partners required to close gaps
WHAT HML DOES
One approval, unlimited projects
No bank statements under $5M.
Close in 3–4 weeks
Snap Draws™ in 24 hours
$20M+ exposure limits ($100M+ enterprise)
Pre-set pricing across your pipeline
Up to 90% LTC — 100% of profit stays yours
Recently funded loans
$1B+ Funded. 4.8★ on Google. Builders Don't Switch Lenders Twice.
Luxury Beachfront Spec Home
Apply
Get Your Pre-Approval in 24 Hours.
Submit your basic info and schedule a 15 min call with one of our account executives — we'll come back within 24 hours with a real exposure limit, real terms, and a structure built around your full pipeline.