No interest and no lender points until the home is built and sold. Your capital goes into the ground — not into carrying costs.
Start Your Application Book a Free 30-Min CallA short conversation about your project, land status, and build history. 15 minutes.
We prepare your financials and build history the way construction underwriters want to see them.
Funding aligned to your draw schedule — with no interest accruing while you build.
Interest and points are settled when the home sells. Then we line up the next one.
The program is structured around a builder's real cash cycle: no interest or lender points are charged until the home is built and sold, so carrying costs don't drain your cash mid-project.
Rates start under 8%, up to $4 million per home, one to four homes at a time, available in 47 states plus Washington, D.C. Qualified builders can reach up to 100% loan-to-cost.
Experienced builders — spec and custom home builders and small residential developers. If you're building one to four single-family homes at a time, this was designed for you.
NTIB Finance & Consulting — a New York-based commercial finance firm with 30+ years of experience and a 50+ lender network. See our completed projects, including fully funded ground-up construction.
Send us the basics of your next build and we'll tell you, straight, whether the program fits — usually within one business day.
Start Your Application Email Michael DirectlyOr call 914.419.3059
🔒 Your information is encrypted, kept strictly confidential, and never sold or shared outside your financing request.