Ground-up financing built for builders who move fast.

Building from the ground up requires a lender who understands

construction — not one who treats it like a standard mortgage.

At Onyx Capital Lending, we fund new construction projects for residential

investors and commercial developers across 48 states. Whether you're building

a single-family rental, a small multifamily development, or a mixed-use

project, we structure your loan around your build timeline — not a bank's

approval committee.

We release funds in draws tied to construction milestones, so you always have

capital when you need it, and you're only paying interest on what you've drawn.

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LOAN HIGHLIGHTS

✅ Loan amounts from $150K to $5M+

✅ Up to 85% Loan-to-Cost (LTC)

✅ Interest-only payments during construction

✅ Draw schedule tied to construction milestones

✅ 12 to 24-month construction terms

✅ No tax returns or W-2s required

✅ LLC, LP, and corporation vesting okay

✅ Residential and commercial new construction eligible

✅ Available in 48 states

✅ Close in as little as 14 days

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ELIGIBLE PROPERTY TYPES

• Single-family rentals (SFR) — ground-up builds

• 2–4 unit multifamily new construction

• 5+ unit apartment new construction

• Mixed-use development (residential + commercial)

• Townhome and condo developments

• Small commercial ground-up projects

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WHO THIS IS FOR

New construction loans at Onyx Capital Lending are built for:

• Experienced builders and developers ready to scale

• Real estate investors adding new builds to their portfolio

• Investors converting land into income-producing properties

• Developers who need fast, reliable funding to close on land

• Contractors and owner-builders launching their first project

If you have land, plans, and a clear exit strategy—we can fund it.

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HOW THE DRAW PROCESS WORKS

1. Loan closes based on land value + projected construction cost

2. Initial draw released at closing to begin construction

3. Subsequent draws released as each phase is completed and inspected

4. Final draw released upon certificate of occupancy

5. Transition to permanent financing (DSCR rental loan) or sell upon completion

We make the draw process simple so you can focus on building — not chasing

your lender for funds.

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READY TO BREAK GROUND?

Tell us about your project, and we'll structure a construction loan around

your timeline and budget.