New Construction
Fast, Reliable Funding for Your Next Build.
Turn your blueprints into profit with ground-up construction financing built for real estate investors and developers. Xoan provides the capital to acquire land, build new homes, and bring projects to market, with the same speed, transparency, and flexibility you expect from your fix & flip funding.
Get quick approvals, fast draws, and competitive rates designed to keep your build on schedule and your capital working efficiently.
Rates Starting at
10.25%
About New Construction Loans
Financing that Builds at the Speed of Your Vision
When time and precision define your success, Xoan’s New Construction Loans help you stay on schedule. Built for investors, builders, and developers, these short-term loans fund land acquisition and vertical construction — giving you fast access to capital from foundation to final inspection. With streamlined draws and flexible terms, Xoan keeps your project moving from ground-breaking to sale or refinance.
Quick, Simple Approvals
No long forms or delays. Get approved fast so you can break ground and start building right away.
Tailored to Your Strategy
Choose from flexible loan terms and structures designed for your scope — from single infill builds to multi-unit developments.
Reliable Funding Every Step of the Way
Draw funds are released as construction progresses, keeping your timeline and cash flow predictable from start to finish.
New Construction Loan Terms
Financing built to bring your vision to life.
Every project is unique — that’s why our New Construction Loans are built for builders and investors who need capital that moves as fast as they build. From land acquisition to vertical completion, Xoan provides flexible funding, predictable draws, and a smooth path to exit.
10.25%
Fixed-rate, interest-only loans with pricing based on experience, leverage, and project scope.
$200,000 – $4,000,000
Covers both land and construction costs; larger projects reviewed individually.
6 – 18 Months
Flexible terms aligned with your build schedule; extensions available upon approval.
Up to 90% LTC
Finance up to 85% of total project cost with funds released through verified draw stages.
70% LTARV
Total exposure capped at 70% of the property’s after-repair value upon completion.
No Penalties
Pay off your loan anytime — no fees, no hidden restrictions.
10–15 Business Days
Close quickly with streamlined underwriting and fast builder approvals.
Business Entities
For U.S.-based LLCs, corporations, or partnerships with a minimum 600 FICO.
How New Construction Loans Work
Project-based financing built for land, labor, and leverage.
The New Construction Loan provides capital for builders and investors developing single-family or small multifamily properties from the ground up. It combines land acquisition and vertical construction into one streamlined, interest-only facility — designed to fund 100% of the build budget, track progress through verified draws, and scale with your experience.
Acquisition & Construction in One Loan
Finance up to 90% of total project cost (LTC) and 75% of completed value (LTARV). Funds cover both land and construction, disbursed through milestone-based draws tied to approved budgets, permits, and inspections. Minimum loan size is $200K, with terms up to 24 months.
Built for Control and Predictability
Loans are interest-only, underwritten to the asset and borrower’s track record — not income. Each draw follows a transparent inspection process, ensuring your capital flows as your project progresses. Qualified contractors, fixed-price contracts, and fully approved plans are required prior to first disbursement.
How Xoan Works
From application to closing — all in one seamless experience to finance your New Construction projects.
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: We Handle the Documents for You
Xoan handles most of the documentation for you through secure third-party integrations — automatically gathering property, income, and insurance details. For the few items we can’t retrieve, like a purchase contract, simply upload them through your dashboard in seconds. No email threads, no back-and-forth — just a faster, smoother path to closing.
Step 3: Track Your Loan Progress in Real Time
Your dashboard keeps you informed every step of the way — from underwriting to final approval. See exactly where your loan stands, what’s next, and when to expect closing. No chasing updates, no confusion — just total transparency from start to finish.
Step 4: Close, Manage Payments, and Payoffs
Close your loan quickly — often within five days of appraisal and title completion. Once funded, manage everything in one place: make payments, view statements, and request payoff quotes instantly when it’s time to refinance or sell. With Xoan, your entire loan journey stays simple, transparent, and in your control.
Testimonials
Reflections From Those Who Build the Future.
“I’ve managed plenty of flips, but ground-up construction was a new challenge. Xoan made it seamless — clear terms, fast approvals, and smooth draws from start to finish. The process was just as quick and investor-focused as my flip loans, but built for new builds.”
Jossue Guzman
,
Founder of Nexgen Buyers LLC
Contact
Get the financing you need today.
Fill out the form to get an immediate call back from our lending team — no waiting, no paperwork, just straight answers and clear terms. Whether you’re purchasing, refinancing, or scaling your portfolio, we’ll help you access funding that fits your goals.
Have Questions?
FAQs
Everything you need to know about New Construction (Ground Up) loans with Xoan.
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