Ground-Up Construction Loans in Polk County Florida
Florida Fix and Flip Loans provides specialized funding for real estate investors, builders, and developers seeking Construction Loans Ground Up in Polk County Florida. Whether you’re starting from raw land or tearing down an old structure to build new, our private lending programs offer fast closings, flexible terms, and no income documentation requirements.
What Are Ground-Up Construction Loans?
Ground-up construction loans are designed to finance the building of new residential or commercial structures from the foundation up. This includes costs related to site prep, permits, labor, materials, and more. Our private lending approach ensures you get the capital you need without red tape or lengthy bank approvals.
How to Qualify
To qualify, you should have:
– Control of the land (owned or under contract)
– A detailed construction budget and scope of work
– Exit strategy (sale, refinance, or lease-up)
– Contractor or self-builder experience (preferred but not required)
Property Types Eligible
- Single-family homes
- Duplexes, triplexes, and townhomes
- Small apartment buildings or commercial retail pads
- Mixed-use developments
Fast Closings, Flexible Draw Schedules
We offer closings in as little as 10–14 business days with simple underwriting. Funds are disbursed in draws based on project milestones and inspections—keeping your build on schedule and within budget.
Local Lending Expertise in Polk County Florida
Florida Fix and Flip Loans has funded 1,000+ real estate projects across Florida. We understand the nuances of building in Polk County—from permit processes and flood zone considerations to city-level inspection timelines. We’re trusted by local investors in Lakeland, Winter Haven, Bartow, and surrounding areas.
Private Construction Loans vs. Traditional Bank Loans
Experienced with distressed or non-conforming properties
Close in 10–14 days
Designed for investment and transitional financing
Tailored loan structures
Up to 90% LTC
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