Ground-up construction loans for builders and investors developing new properties in Georgia. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Metro Atlanta is one of the most active BRRRR markets in the country — a combination of affordable acquisition basis, deep rental demand from sustained population growth, and a non-judicial foreclosure process that keeps holding costs predictable. Georgia's landlord-tenant statutes are considered landlord-friendly.
Metro Atlanta and Georgia secondary markets still offer entry-price points well below coastal metros — enabling meaningful cash-on-cash returns for buy-and-hold investors and workable margins on BRRRR strategies.
Georgia is a non-judicial foreclosure state with a predictable eviction timeline and landlord-friendly statutes. Holding costs stay projectable, which matters for cash-flow modeling on rental portfolios.
Metro Atlanta continues to lead the Southeast in job creation and population inflow, supporting deep long-term rental demand across every submarket in the region.
Whether you're closing a single-asset SFR in a smaller Georgia market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Marietta, Alpharetta, Kennesaw, Sandy Springs, Roswell, Duluth
Snellville, Lawrenceville, Lithonia, Stone Mountain, Douglasville
Chatham County — LTR + coastal STR scenarios
Richmond & Columbia counties — Fort Eisenhower demand
UGA-adjacent SFR and student housing
Central Georgia — strong yield markets
Fort Moore-adjacent rental demand
Statewide coverage — send us any Georgia property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Georgia. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Georgia — Metro Atlanta, Atlanta South & East, Savannah, Augusta, Athens, and every other GA metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Georgia. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Metro Atlanta is one of the most active BRRRR markets in the country — a combination of affordable acquisition basis, deep rental demand from sustained population growth, and a non-judicial foreclosure process that keeps holding costs predictable. Georgia's landlord-tenant statutes are considered landlord-friendly.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Georgia investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Georgia metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.