More Leverage, Less Friction: Building the Future of 2026 with Groundfloor Lending
For builders and developers, 2026 is shaping up to be a year of massive opportunity, but only if you have the right capital partner. At Groundfloor Lending, we understand that in a shifting market, your success depends on two things, leverage and flexibility.
That’s why we are thrilled to announce updated terms for our New Construction loan product. We heard you. We’ve updated our loans to help you keep more cash, grow your business, and get your projects started faster than ever.
The 2026 Outlook: Why Now is the Time to Build
The housing market is hitting a turning point. Experts are calling 2026 a "comeback year" for real estate, with a few key trends that every builder should know:
- A Surge in Demand: Home sales are projected to jump as much as 14% nationwide this year. After a quiet 2025, buyers are back and looking for fresh inventory.
- More Purchasing Power: For the first time in years, income growth is expected to outrun home price growth. This means more buyers can actually afford the homes you’re building.
- The Inventory Gap: Even with more homes hitting the market, the U.S. is still facing a housing shortage. Builders who can break ground now and finish quickly will be the ones who win the spring and summer selling seasons.
More Cash in Your Pocket, Less Stress on Your Business
The big news for 2026 is simple, we're giving you more capital to work with. On our monthly-interest loans, we are now offering up to 87.5% Loan-to-Cost (LTC). By covering more of your project costs, we help you keep your own money free. This way, you don't have all your personal cash tied up in one house, giving you the freedom to grow your business or start your next build even sooner.
Choose Your Strategy: Monthly vs. Deferred
Every project has different needs. Whether you want to keep your monthly costs low or save your cash until the end, we have a plan for you.
- Monthly Pay (Interest-Only): Keep your cash flowing by only paying interest on the money you’ve actually used. With rates starting as low as ~10% for qualified borrowers (on loans up to $3.5M), this is a great move for established builders.
- Deferred Payment: Prefer to pay when the job is done? Our deferred payment option lets you focus 100% on the build without worrying about monthly bills.
Why Groundfloor Lending is the Builder’s Choice
We’ve stripped away the red tape that typically slows down new construction. Here is what sets our 2026 product apart:
- No Permit Requirements to Close: Don’t let city paperwork stall your loan. We can close your loan and secure your funding quickly, so you’re ready to work the moment your permits are ready.
- Leverage Plus: If you want to maximize your buying power, ask about Leverage Plus. On qualifying deals, this helps you put even less of your own money into the project.
Real Results: Building the Vision
We don’t just provide money, we help you get results. Our funding has helped builders all over the country turn big ideas into finished homes.
Check out this great example of how the right loan can help you turn a simple lot into a high-value home, Building the Vision: How One Builder Turned a Blueprint Into a $1.5M Estate.
Ready to Start Your 2026 Build?
Whether you’re building a single-family home or several at once, our 2026 terms are built to help you win. Apply now to get a quote and start scaling your business today.
