Spec Home Construction Loans for PNW Builders
Trueline Capital’s construction loan programs are designed for speed and simplicity, allowing builders and investors to easily finance ground-up construction projects in Washington, Oregon, and Idaho. Our fast closings, flexible terms, and repeatable processes allow you to maximize your exposure and scale at your own pace. Leverage your equity and rely on our streamlined approach to efficiently plan and fund your next build.
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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 12-month to 24-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.
Ground Up Construction Projects
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Property Types
SFR 1-4 Units
Multi-Family
Attached Wall -
Loan-to-Value/cost
Up to 70% LTV
85% LTC (95% LTC, Land Free and Clear) - 6, 9, and 12 Month (Available Up To 24 Months)
- Prepayment No Prepayment Penalties
- Loan Amounts $200,000 - $15,000,000
- CLTV | Subordinated Debts No CLTV Limitations
- Markets Oregon, Washington, and Idaho
Recently Funded Projects
Loan Amount 
Value 
Loan-to-Value 
Asset type 
Speed Up Your Project with Trueline Capital
Discover fast, reliable property and construction loans with Trueline Capital. Get your project off the ground quickly and efficiently with our expert financing solutions.
Real Estate Financing Simplified
Partner with a trusted lender for seamless construction and development financing in the Pacific Northwest.
Submit
Complete your Trueline Capital project form.
Connect
Work with us on project viability and financing.
Approve
Get your project approved and funding scheduled.
Fund
Get started on your funded construction project.
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.
