Loan programs → Ground-up construction
Construction capital for shovel-ready projects.
Capstone Connectors is a private money broker. We connect Asheville and Western NC investors and builders with vetted private capital partners who fund ground-up construction — once your land is owned and the project is ready to break ground. Business-purpose, non-owner-occupied investment property only.
What our lending partners look for
Built around the project.
- →Land owned outright — or structured with the seller — and the project shovel-ready, with construction funded from there.
- →Up to 70% loan-to-cost on the project, released in draws as construction milestones complete.
- →Term and draw schedule sized to the build, not a one-size-fits-all box.
- →Rural and Western NC sites considered.
Business-purpose, non-owner-occupied investment property only. Final approval, rates, and terms are set by the matched lending partner. See typical numbers on our rates page and the process on how it works.
Send your project
A few quick details, then you'll book a call with Derek. He reads every submission himself.
Common questions
Ground-up construction financing, answered straight.
- Do I have to put 20% down on a construction loan?
- Not exactly 20%. Most of our lending partners fund up to about 70% of total loan-to-cost, so you typically bring the remaining ~30% plus closing costs and a contingency. Land you already own often counts toward your equity. The exact amount is set by the matched lending partner based on the deal.
- What is the monthly payment on a $300,000 construction loan?
- There's no single number. Construction financing is usually interest-only during the build, and partners often charge interest only on the funds drawn so far — not the full loan amount — so the payment grows as the project draws down. The rate that sets the payment is determined by the matched lending partner; see our rates page for typical ranges.
- Is it difficult to get a construction loan?
- It comes down to the deal. Partners want the land owned or under control, the project shovel-ready with permits and plans, a clear budget, and a realistic exit. With those in place, business-purpose construction financing is very workable — and Capstone helps package the project so it lands with the right lending partner.
- How do construction loan draws work?
- Funds are released in draws as construction milestones complete, usually after the work is verified. You fund or order the work, then draw to reimburse — keeping capital tied to real progress. The draw schedule is sized to your build rather than a fixed template, and it's set by the matched lending partner.
Business-purpose, non-owner-occupied investment property only. Final approval, rates, and terms are set by the matched lending partner.
Land ready to build?
Send the site, the budget, and the timeline. We'll match you to a construction lending partner and get you a real answer.