Ground-up construction loans for builders and investors developing new properties in Missouri. 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.
Missouri is a strong cash-flow Midwest market. Kansas City remains one of the more affordable major metros by rent-to-price ratio. St. Louis offers deep SFR inventory with real cash-on-cash yields. Predictable eviction + foreclosure timelines round it out.
KC has seen sustained metro growth and remains one of the more affordable major metros in the country by rent-to-price ratio. Strong logistics + biotech + tech employers.
St. Louis offers deep SFR inventory at low entry basis — one of the highest cash-on-cash yield markets in the country for buy-and-hold investors.
Missouri's eviction and foreclosure processes are predictable. Landlord-friendly statutes keep holds projectable for portfolio investors.
Whether you're closing a single-asset SFR in a smaller Missouri market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Jackson County + Lee's Summit, Independence, Blue Springs, Overland Park (KS)
St. Louis City + County — Clayton, University City, Kirkwood
Greene County — Southwest MO SFR
Boone County — University of Missouri market
Cole County — state capital demand
Jasper County — Southwest MO secondary
Southeast + Northwest MO secondary markets
Statewide coverage — send us any Missouri 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 Missouri. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Missouri — Kansas City Metro, St. Louis, Springfield, Columbia, Jefferson City, and every other MO 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 Missouri. 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.
Missouri is a strong cash-flow Midwest market. Kansas City remains one of the more affordable major metros by rent-to-price ratio. St. Louis offers deep SFR inventory with real cash-on-cash yields. Predictable eviction + foreclosure timelines round it out.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Missouri investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Missouri metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.