New Construction & Mid-Construction

From blueprint to bottom line

Matrix Capital is more than a lender; we are a strategic partner for developers, landlords and real estate investors. We provide fast, asset-backed financing to bring your new construction and mid-construction projects to life.

Construction Project
$8M
Max Loan Amount

Our Construction Financing Solutions

Supporting Every Stage of Your Project

New Construction Loan

For real estate investors building 1–4 unit residential investment properties from the ground up. Funds released in draws as construction progresses, with loan amounts up to $8M and terms of 12–24 months. FICO 660+. Business purpose loans only.

Init Loan-to-Cost (Land)
Up to 60%
Total Loan-to-Cost (LTC)
Up to 90.0%
Loan-to-ARV (LTARV)
Up to 75%
Interest Rate
From 8.75%
Coverage Area: CA, CO, CT, DC, FL, GA, MA, NC, OK, PA, SC, TN, TX, VA, WA. Additional states coming soon.
Construction Project
Commercial Property

Mid-Construction Loan

For projects already underway. Take over a partially built 1–4 unit investment property — or rescue one whose funding fell through — and get the capital to finish the job, with loan amounts from $100K to $3M and terms up to 24 months. FICO 660+. Business purpose loans only.

Init Loan-to-Cost(LTC)
Up to 90%
Total Loan-to-Cost (LTC)
Up to 92.5%
Loan-to-ARV (LTARV)
Up to 75%
Interest Rate
From 8%
Coverage Area: CA, CO, CT, DC, FL, GA, MA, NC, OK, PA, SC, TN, TX, VA, WA. Additional states coming soon.

A Foundation of Expertise and Trust

Developer-Centric Underwriting

We understand the intricacies of construction timelines and draw schedules. Our process is designed by professionals, for professionals.

Relationship-Driven Approach

We invest in understanding your project's goals. This allows us to structure flexible, tailored solutions that a traditional bank simply cannot offer.

Ready to Break Ground?

Get pre-qualified and start building your next project.