Spec Home Construction Loans for PNW Builders

Private money lending for builders and contractors in Seattle, Portland, Bend, and Boise.

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What are the requirements for our construction loans?

For most projects, we loan up to 75% Loan-to-Value (LTV) and up to 85% Loan-to-Cost (LTC). Here at Trueline Capital, we offer competitive construction, fix & flip, and bridge loans to licensed builders for spec and custom projects in the Pacific Northwest.

Lending requirements differ per project and per borrower. We focus on lending for urban infill projects in major metropolitan areas with products for single-family residences, 1-4 unit multi-family, or larger commercial projects up to $10 million.

Terms for our loans differ per project and per borrower. On average, we lend on 6, 9, and 12-month terms. Terms can be extended on a per-project basis.

Our specialized loan programs provide quick turnaround times, flexible terms based on project needs, and cash liquidity for both conforming and non-conforming borrowers.

Loan Programs

Loan Products:
Ground-Up Construction
Property Types:
SFR 1-4 Units,Multi-Family, Attached Wall
Loan-to-Value | Loan-to-Cost:
Up to 70% LTV and 85% LTC (95% LTC, Land Free and Clear)
6, 9, and 12 Month (Available Up To 24 Months)
No Prepayment Penalties
Loan Amounts:
$200,000 - $15,000,000
CLTV | Subordinated Debts:
No CLTV Limitations (Call for Questions)
Oregon, Washington, and Idaho
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Recently Funded Projects

Whether you have a small project, have too many projects in the works to qualify for another, or have reached your credit limit we’ll work with you to get the financing you need. Check out some of the projects we have worked on with Pacific Northwest builders like you.


Henderson | Tumwater, WA

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Haller Lake | Seattle, WA

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Stonebrook | Tacoma, WA

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Get your project out of the ground quicker with Trueline Capital

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Our Borrowing Process is Easy. Guaranteed.

trueline process 1

Submit A Project

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Simply fill out our online project submission, upload as much or as little as you have about the project, and we will send you a pricing quote.

trueline process 2

Funding Proposal

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Once we look at your project, you’ll receive our funding proposal with documents and loan pricing. Review, ask questions, then submit builder and borrower required items, and we’ll begin processing your loan!

trueline process 3

Set Up Escrow

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Once our underwriters sign off on the loan, we’ll send documents to escrow and walk you through the closing process.

trueline process 4

Fund & Build

We’ll send you a login to our online draw management system and get you moving on your project. Throughout the loan process and draw system, we are here to help answer any questions and support your project until completion.

Start A Project Now

Lending Partnerships by Design

At Trueline Capital we believe in bringing creative construction solutions to builders and developers in Washington, Oregon, and Idaho. We’re here to help you get your project funded on time with fewer barriers because we understand that the sooner you begin your project the closer you are to project success.

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