You don’t build homes to stay where you are. You build because you’ve got momentum—and big plans.
At Sound Capital, we don’t treat financing like a commodity. We treat it like a catalyst. Because the right funding partner doesn’t just help you finish a house—they help you build a future.
That’s where construction loans come in.
(Learn more about our unique financing outlook here.)
What Is a Construction Loan?
At its core, a construction loan is short-term financing that funds the cost of building a home from the ground up. But how that loan is structured—how fast it funds, how much cash you get at closing, how easy it is to draw—can make or break your momentum.
We designed our construction loans with that in mind. They’re fast, flexible, and built to work the way builders work.
How Construction Loans Work for Residential Home Builders
Construction loans should move at the speed of your crew. Here’s how they typically work:
- You apply with your budget, timeline, and building plans.
- The loan amount is approved and divided into draw stages.
- Funds are released as you hit key project checkpoints.
- You pay interest only on what’s been drawn.
- The loan is paid off once the project is sold or refinanced.
This keeps your capital moving and your crews building without unnecessary bottlenecks.
Got a project in the pipeline? Request rates today.
What Construction Loans Cover
If you’re building a home, chances are you’ve got expenses flying in from all directions: materials, labor, permits, subcontractors, inspections, and more. A good construction loan should help keep all those plates spinning.
Here’s what Sound Capital loans can help cover:
- Vertical construction costs (from slab to shingles)
- Utilities and hookups
- Inspections, permits, plans, and labor
- Project management and build-stage payouts
We don’t fund land or lot purchases—but if you’re breaking ground, we’re the team to call.
The Sound Capital Difference: Smarter Loans for Builders Who Scale
We work with ambitious builders who don’t just want to complete projects—they want to take on more of them.
To do that, you need less friction, more flexibility, and a lender who understands your business’s pace and pain points.
Our loan programs include:
- Ground-Up Construction: Straightforward capital for residential new builds.
- Fix and Flip: Value-add rehab funding for faster turns.
- Construction Completion: When other lenders bail, we help you finish.
- Bridge Loans: Free up equity in one project to start the next.
- DSCR Loans: Cash-flow-based loans for rental projects—no tax returns needed.
Why Financing Isn’t Just a Line Item
At Sound Capital, we believe smart financing is more than a tool—it’s a strategy. Smart financing can:
- Help you take on more projects without tying up all your cash.
- Shorten the time between deals.
- Grow your business faster and make it more resilient.
- Give you confidence to say “yes” to the right opportunities.
Most banks treat financing like a transaction. We treat it like a partnership.
Ready to Scale? Let’s Talk.
If you’re a builder thinking bigger, we’re the lender that helps you achieve your goals. Get a rate sheet. Contact us to ask a question or tell us what you’re building. We’d love to hear from you.
Let’s make sure your financing works as hard as you do.
Still weighing your options? Download The Home Builder’s Guide to Smart Financing and see how we turn funding into a strategic growth tool.
