Private construction lending — for builders, not buyers
Zentech Holdings funds ground-up spec and custom home construction for professional builders and GCs. Draw-based, experience-underwritten, and built by people who read a schedule of values without blinking.
This isn't a consumer mortgage product wearing a construction label. It's underwritten around a business borrower, a build schedule, and an exit — not a paystub.
Representative parameters for ground-up construction and fix-and-flip. Final terms depend on the deal, the builder's track record, and the market.
Underwriting looks at the project and the builder's history — not a debt-to-income ratio.
Purchase contract or land info, plans and specs, budget, and a track record of past projects.
We evaluate the budget, the exit, and your completed-project history — not personal income documentation.
Leverage, rate, and draw schedule confirmed in writing before any third-party reports are ordered.
Acquisition and Draw 1 fund together, so site work starts the week you close.
Request a draw when a phase is complete. Inspected and funded on a short, predictable turnaround.
The program is the same; the deal shape usually looks like one of these.
Runs two or three lots at a time in a market they know well. Needs leverage high enough to keep cash in the next deal and a lender who won't slow the framing crew down waiting on paperwork.
Has a signed construction contract and a client picking finishes. Needs draws that track the AIA-style schedule of values they're already using with their client.
Buys distressed or dated properties and rebuilds to sell. Needs a rehab budget funded in draws alongside the acquisition, not a separate renovation loan process.
Send the basics and we'll come back with indicative leverage, pricing, and a draw schedule shaped around your build timeline.