Ground Up Construction Loan Program

Loan amounts up to 80% of purchase plus up to 80% of construction cost for the building of residential, multifamily and small commercial properties


Orchard Funding offers multiple leverage options to suit different investment strategies


5+ completed projects in past 3 years

Rates starting at 9% with 2% loan origination fee


Less than 5 completed projects in past 3 years

Rates starting at 10% with 2% loan origination fee

Loan Criteria

Loan Amounts: $100,000 to $3,000,000 for residential properties and up to $7,500,000 for multifamily and commercial

Loan Term: 6 to 12 months with extensions available

Lien Position: 1st Deed of Trust only

Location: Arizona, California, Colorado, Texas, Utah, Washington and Oregon

Property Types: Non-owner occupied residential, multifamily and small commercial

Borrower Qualifications: Relevant experience, adequate reserves and good credit

Transaction Types: Purchase and refinance

Loan-to-Value: Loan amount not to exceed 65% to 70% of the ‘As Complete’ value

Why Work with Us?

Direct Lender

Since we are not brokers and loans are funded ‘in-house,’ decisions are made quickly and efficiently with limited documentation.

Pre-Construction Advance

Orchard Funding will advance up to 1/3 of the construction budget prior to any work being done. Our program doesn’t work off of reimbursements. Unlike other lenders, construction can be entirely funded without coming out of pocket.

Quick Draw Process

Some lenders may take 2 to 3 weeks to reimburse completed construction work, however, Orchard Funding will release construction draws within 3-4 business days upon request thus preventing constructions delays.

No Hidden or Junk Fees

Orchard Funding does not charge any junk fees, typically referred to as Doc Fee, Processing Fee, Underwriting Fee or Fund Control Fee.

Lower Overall Cost

Orchard Funding saves the borrower money because interest is only charged on advanced funds, not on unreleased construction funds. We don’t have a prepayment penalty and only require 60 days of interest with our ‘no points’ loan program. We also do not charge any junk fees and our quick draw process on construction funds saves the borrower time and in turn, overall cost.

Fast Funding

Orchard Funding is able to close within 7-10 business days with a pre-closing appraisal. Certain loans qualify for a post-closing appraisal or even no appraisal at all, allowing for a 2-3 business day closing. Appraisals are not required in the Phoenix Metro area, enabling funding in as little as 24 hours, including Trustee’s Sale purchases.

Loan Process



Apply now using our short, online loan application page or contact us at (888) 302-0619.



Upon receipt of the loan application, we will provide a detailed loan proposal, typically within a few hours.



Orchard Funding only needs a few items to issue a loan pre-approval: credit check, bank statement/source of funds, short description of experience and review of the preliminary project details.



The loan is ready to enter final underwriting when the appraisal is in, property insurance has been verified and the title commitment is ready. Final underwriting takes less than a day.



Once the loan documents are signed, we will be ready to fund and close your loan!