New Construction Loans Texas | Ground-Up Builder Financing

Silverton Capital's new construction financing is built for Texas home builders, spec builders, and lot developers who need a reliable capital partner from groundbreaking to certificate of occupancy. Whether you're building a single spec home in a DFW suburb, developing a lot in Houston's growing outer ring, or breaking ground on a new construction project in Austin or San Antonio — we provide the short-term construction financing to keep your project funded and on schedule.

We are a Texas-based lender built by people who understand construction timelines, draw schedules, and what it actually costs to build in today's market. We don't just wire money and disappear — we stay engaged through every draw, every inspection, and every milestone so your project never stalls waiting on a lender.Find a lot, run your comps, confirm zoning and entitlement, draw preliminary construction plans, determine your development and building costs, plan your timeline and exit strategy, negotiate purchase terms, and submit for financing with Silverton Capital. We are here to help you through the whole process.
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Disclaimer: All loan terms require underwriting and credit approval. The terms listed on this page are meant to provide an approximate idea of potential terms.
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How Our New Construction Loan Process Works
‍We've built our construction lending process around the realities of building in Texas. Fast decisions, reliable draws, and a team that stays engaged from lot acquisition to final walkthrough.
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‍Step 1 — Submit Your Project
Complete our quick application and submit your lot purchase contract, preliminary construction plans, project budget, and proof of entitlement or zoning. No tax returns. No income verification. We focus on the deal.
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‍Step 2 — Underwriting and Terms
‍ Our team reviews your project scope, lot value, construction budget, and exit strategy. We get you a term sheet quickly so you can move forward with confidence.

‍Step 3 — Close on the Lot
We fund the lot acquisition at closing and structure your construction budget into a draw schedule tied to project milestones. Everything is clear and agreed upon before you break ground.

‍Step 4 — Construction Draws
As construction progresses, you submit draw requests tied to completed work. We conduct inspections and release funds efficiently — keeping your subcontractors paid and your project moving. No waiting weeks for a draw approval.

‍Step 5 — Exit
At project completion, you sell the finished home or refinance into permanent financing. Our loan terms give you 12–18 months to complete construction and execute your exit.