Ground-up construction loans for builders and investors developing new properties in Kentucky. 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.
Louisville logistics anchor (UPS Worldport + Ford) drives steady rental demand. Lexington adds horse-country + UK + healthcare. Acquisition basis stays affordable relative to gross rents, and non-judicial foreclosure keeps holds projectable.
Louisville hosts UPS Worldport (the world's largest air-freight hub) and multiple Ford truck plants. That anchors long-term employment and steady rental demand across the metro.
Lexington combines horse-country + University of Kentucky + a growing tech and healthcare base. Rental demand stays deep and predictable.
Kentucky acquisition basis stays affordable relative to gross rents. Non-judicial foreclosure and standard eviction timelines keep holds projectable.
Whether you're closing a single-asset SFR in a smaller Kentucky market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Jefferson County + St. Matthews, Middletown, PRP, Jeffersontown
Fayette County — UK + horse-country market
Warren County — WKU + Corvette / GM plant demand
Covington, Newport, Florence — Cincinnati metro adjacencies
Daviess County — Ohio River SFR market
Hardin County — Fort Knox demand + Louisville-adjacent
Lexington-adjacent Toyota + college markets
Statewide coverage — send us any Kentucky 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 Kentucky. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Kentucky — Louisville Metro, Lexington, Bowling Green, Northern Kentucky, Owensboro, and every other KY 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 Kentucky. 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.
Louisville logistics anchor (UPS Worldport + Ford) drives steady rental demand. Lexington adds horse-country + UK + healthcare. Acquisition basis stays affordable relative to gross rents, and non-judicial foreclosure keeps holds projectable.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Kentucky investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Kentucky metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.