How do interest reserves work?

Interest accrues and is added to your loan balance, then paid when the project sells or refinances—so you're not writing an interest check every month while the house is going vertical.

How long are the terms?

Typically 12–18 months, sized to your build timeline with runway to finish, lease, or sell.

Do you really understand construction?

Yes. We've carried construction loans ourselves and structure around real construction realities: draw timing, cost overruns, trade lead times, and the 12–18 month clock.

Nationwide. We're headquartered in Winter Park, Florida and know that market deeply, but we place deals with capital partners across the country—tell us where your project is.

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New Construction Loans

Springwell Build

Financing for ground-up residential builds nationwide, structured by people who know how builds actually run. We help you time the loan, plan interest reserves, and protect your real profit—not just hand you money and disappear.

Best for: Builders and developer-investors taking projects from dirt to delivery.

Prequalify for this program Call (321) 364-4602

Typical terms

Loan term: 12 – 18 months
Structure: Interest reserves
Draws: Flexible, milestone-based
Coverage: Nationwide
Exit: Sell or construction-to-perm

Terms are illustrative and subject to underwriting. Final pricing depends on the deal, your experience, and leverage.

What this program delivers

Built for builders—we structure around your draw schedule, not ours
Interest reserves so you're not bleeding interest every month
Strategic draw timing for maximum runway on the 12–18 month clock
Construction-to-perm option to roll into long-term financing
Nationwide—wherever your project is, we place it with the right capital

Watch

How Ground-Up Construction Money Actually Works

Loan to cost, why the money arrives in draws instead of up front, and what the clock costs you while you build.

No Build Experience? Here's What Lenders Actually Underwrite

Why your general contractor's track record carries the file, what a completion guarantee commits them to, and why lender-controlled draws protect you rather than restrict you.

How the structure works

From first call to funded

1. Plan together

Before you borrow, we model the build with free tools—budget, profit after ALL costs, and cash-flow timing—so the project pencils on paper first.

2. Structure smart

We set interest reserves so monthly interest is carried by the loan, not your wallet, and time the draws to your build schedule.

3. Build with a partner

We stay engaged through construction—funding draws against milestones and problem-solving when the market or the jobsite shifts.

4. Exit clean

Sell on completion or roll into long-term financing with construction-to-perm. We guide the exit before you ever break ground.

FAQ

Springwell Build questions, answered

How do interest reserves work?: Interest accrues and is added to your loan balance, then paid when the project sells or refinances—so you're not writing an interest check every month while the house is going vertical.
How long are the terms?: Typically 12–18 months, sized to your build timeline with runway to finish, lease, or sell.
Do you really understand construction?: Yes. We've carried construction loans ourselves and structure around real construction realities: draw timing, cost overruns, trade lead times, and the 12–18 month clock.
Where do you lend?: Nationwide. We're headquartered in Winter Park, Florida and know that market deeply, but we place deals with capital partners across the country—tell us where your project is.