Ground Up Construction Loans

Rency offers tailored financing for ground-up builds with rates starting at 9.9%. Fund up to 75% of your land purchase and 100% of the construction budget. With a minimum FICO of 660, loan amounts starting at $200K, and 21-day closings, our loans are designed for serious developers ready to bring their vision to life—without prepay penalties.

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UP TO

9.9%

Rates starting for qualified borrowers

100%

Construction Budget

Full coverage for your build costs

75%

Purchase LTV

Leverage land acquisition easily

21 Days

Closing Time

Quick closing to break ground faster

660+

Min FICO

Strong credit encouraged

65%

ARV

Equity-based future value funding

No Prepay Penalties

Freedom to exit on your timeline

$200K+

Loan Amounts

Built for large-scale projects

Getting Started with Rency

Submit A Loan Request

Apply and fill out the quick form to tell us about your deal.

Review Loan Terms

We’ll send you competitive terms tailored to your project.

Deal Finalized, Funds Released

Sign and close—your funds are on the way.

Apply Now

Built for serious developers ready to break ground.

We offer up to 100% of your build budget and 75% LTV on land purchases, with approvals typically within 21 days.

Loan amounts start at $200K and scale to meet your project needs.

We work with builders on projects of all sizes, with rates starting at 9.9% and no prepayment penalties.

Always Clear and Upfront

From land acquisition to construction draw schedules, we keep everything clear from day one.

Have a site in mind? Let’s get started.

If you’ve got a project in the pipeline, we’re ready to help bring it to life—reach out and we’ll walk you through it.

Partner with us and secure funding across the nation.

Where We Lend

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*Some loan programs are excluded. Apply to find out.

A Smarter Approach to Real Estate Financing

Fast & Simple Funding – Minimal paperwork, quick approvals.

Direct In-House Servicing – No middlemen, just seamless transactions.

Flexible Loan Control – We manage funds efficiently to keep projects on track.

Competitive Rates – Financing that works for you, not against you.

Ready to get started?

One of our loan origination managers will be in touch within 24 hours to go over your loan details.

Get started

The terms listed represent our highly qualified scenarios and are subject to borrower qualification, credit approval, and verification of information. Not all applicants will qualify for these terms. Rates, terms, and conditions are based on the review of both the borrower and the investment. Certain loans may be borrowed by a partnered lender as direct lending is evaluated on a case-by-case basis. Exceptions can be made to loan criteria as each loan is evaluated on a case-by-case basis.