/use-cases · ground-up construction
Multi-year builds. Draw-based funding. Milestone inspections.
Financing for new construction projects — from lot acquisition through certificate of occupancy. The longest and most complex loan lifecycle in private credit, requiring draw management, milestone inspections, and continuous coordination between borrower, builder, and inspector.
/how-antal-handles-it
What the AI agents do for ground-up construction.
- Tracks hard costs and soft costs separately through the full build
- Manages draw requests and milestone inspections in the same conversation
- Coordinates third-party inspections automatically at each draw
- Maintains a continuous audit trail from first draw to final payoff
- Handles change orders and budget revisions without restarting the file
Typical terms
Loan range$250K – $5M+
LTCUp to 85%
Rate9.0 – 11.0%
Term12 – 24 months
Draw scheduleMilestone-based
InspectionsPer draw
Terms vary by lender guidelines. Your agents enforce your credit box.
Typical borrower
Developers, spec home builders, experienced investors moving from rehab to ground-up.
/why-it-matters
Construction lending is where manual coordination costs the most. The draw-and-inspect cycle alone consumes 30–40% of a lender's servicing headcount.