Mach1 Capital

Construction loans for builders.

Financing for ground-up development and major rehab across residential, commercial, and mixed-use projects — multifamily, hotels, medical, industrial, condos, and single-family construction. Mach1 Capital reviews your budget and proforma before the file goes to a lender.

Loan amounts
$500K+
Sized on
Plans, budget, and as-completed value
Leverage
LTV and LTC reviewed case by case
Reach
Nationwide
Pre-qualify562.261.3259

Projects we finance

  • Ground-up multifamily and build-to-rent
  • Condo developments (with pre-sales)
  • Hotel, medical, and industrial construction
  • Heavy rehab and value-add renovation
  • Single-family construction and rehab

A strong fit for

  • Developers with plans, budget, and a GC lined up
  • Build-to-sell and build-to-rent projects
  • Rehabs too heavy for a standard bridge loan

How construction loans are sized

Lenders size construction loans off the approved plans and the budget tied to them. Square footage, unit count, finish level, and specs all feed the as-completed valuation, which drives both the loan amount and the exit assumptions.

Funds are released in draws tied to construction milestones, so a realistic draw schedule and a credible general contractor agreement matter as much as the numbers. Permits in hand make a file close significantly faster.

Come prepared, close faster.

To quote your deal

  • Detailed loan request summary
  • Property address & purchase price
  • As-is value & requested loan amount
  • Requested term · target LTV + LTC
  • Loan exit strategy
  • Credit / FICO score

Supporting documents

  • Personal financial statement (PFS) & REO schedule
  • Sources & uses of funds breakdown
  • Resume of experience
  • Detailed construction budget
  • Proforma / income projections
  • Purchase agreement · appraisal (if available)

For final underwriting

  • 1003 application & authorization form
  • Plans & permits · entity docs
  • Evidence of insurance (EOI)
  • Phase 1 report (if available) · escrow & title

Construction loans: FAQ.

Do I need permits before applying for a construction loan?
Not to start the conversation, but final underwriting requires evidence of entitlements — approved plans and permits issued or actively in process. Deals with permits already in hand close significantly faster.
What documents do I need for a construction loan?
At minimum: architectural plans, a detailed construction budget, sources and uses, a general contractor agreement, a proforma, and a draw schedule tied to construction milestones.
What happens if my plans change mid-construction?
Flag any material change to your lender immediately. Unapproved scope changes can trigger a re-underwrite, delay draws, or breach covenants tied to the original plan set.
What if my permits are delayed?
Permit delays push out both your draw schedule and your exit. Build contingency into the schedule and tell your lender early — a lender who hears about a delay upfront is far more flexible.

Tell us about the deal.

Send the basics and we'll come back within one business day with an indicative structure, target lenders, and a path to closing.

Pre-qualify

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