Construction loans for Tennessee builders.
Ground-up financing for investor construction projects — funded fast, drawn on schedule.
Or call us direct — (615) 989-0020
Ground-up construction is where good financing matters most.
The wrong lender can stall a build with slow draws and rigid terms. Scale Private Capital funds investor construction projects across Tennessee, structured around how builds actually run.
From a single spec home to a small development, we fund the build and move at your pace — with draw handling that keeps your crew working and your timeline on track.
Need the lot first? See land loans, or fix & flip for rehab projects.
Construction financing that fits the build
Ground-up construction
Financing for new construction on residential and small investment projects.
The lot is your equity
You bring the land, we fund the build. Owning the ground outright is the cleanest way in, and it is usually what makes the numbers work.
Draws that keep pace
Predictable, expedited draw handling so your build never waits on your lender.
A repeat builder with us? Ask about the Scale Program — earned benefits for proven investors.
You bring the lot. We fund the build.
The lot is your equity. On a ground-up deal the land you already own is what goes in ahead of our money, and it is usually what makes the numbers work. If you are still shopping for a parcel, start with a land loan, get it closed, and come back to us for the build.
The money comes out in draws, not all at once. You are not paying interest on the full construction budget while the slab is curing. Funds are released in stages as the work gets done, so the loan balance follows the build rather than running ahead of it.
We inspect the work ourselves. When you are ready for a draw you send photos through our inspection form and we verify what is finished. There is no third-party inspector to schedule and no appraiser sitting between you and your next stage of funding, which is the part that usually stalls a build.
Experience helps, and it is not a wall. A builder with completed projects behind them gets the smoothest path. If this is your first ground-up and you have a competent general contractor under contract, send it anyway. We have made that exception before and the GC is what makes it work.
What we need to look at a build.
The lot
Address or parcel number, what you paid, and whether you own it outright. Survey if you have one.
Plans and budget
The plan set, square footage, and a line-itemed construction budget. A budget that is light is the most common reason a build runs past its timeline.
Who is building it
Your GC, their license, and what they have finished recently. If you are the builder, tell us about your last three projects.
The finished value
What the completed house is worth and the comps behind that number. We verify it in house.
The timeline
Realistic start and completion dates, plus any permits the scope will need.
The exit
Sale or refinance, and roughly when. Our loan is short-term construction money, so the exit matters as much as the build.
We fund the construction, not the mortgage after it.
Scale lends short-term, interest-only construction money. There is no permanent loan attached and no single closing that rolls into a thirty-year mortgage. When the house is finished you either sell it or refinance into a bank loan or a rental loan somewhere else.
If a one-time-close construction-to-permanent product is genuinely what your deal needs, a bank is the right call and we will say so on the first phone call instead of three weeks in. What we are good at is the part banks are slow at: getting the build funded quickly, on a draw schedule that keeps the crew working.
Construction loans in Tennessee, answered.
Do you offer a one-time-close or construction-to-permanent loan?
No. We fund the construction only. This is short-term, interest-only money at three points and 12%, with no permanent loan attached and no single closing that rolls into a thirty-year mortgage. When the build is finished you either sell it or refinance into a bank or rental loan elsewhere. If a construction-to-permanent product is genuinely what your deal needs, a bank is the right call and we will tell you that on the first phone call.
How fast can you close?
Most deals fund in about nine days from the day you send us the property, and you'll usually have a term sheet within a day. We're a direct lender, so there's no loan committee sitting between you and an answer.
What credit score do I need?
Hard money is asset-based, so credit matters far less than it does at a bank. We look at the deal first: the property, your budget, the after-repair value, and your exit. Your track record as an operator matters more than a score.
Are you a direct lender or a broker?
Direct. We make our own credit decisions and service our own loans, which is why you get an answer quickly and reach a real person when you need a draw or a payoff statement.