Ground-up construction loans for builders and investors developing new properties in New Jersey. 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.
New Jersey feeds two Fortune-500 metros (NYC + Philadelphia) with commuter-belt rentals. Central Jersey pharma anchors long-term stability. Shore corridors add STR income flexibility.
New Jersey is uniquely positioned between two of the largest US metros. Bergen, Hudson, Essex counties feed NYC; Camden and Cherry Hill feed Philadelphia. Deep dual-market rental demand.
Central New Jersey hosts one of the deepest pharma employer bases in the world (Merck, J&J, Bristol Myers). Northern New Jersey adds finance and tech. Stable long-term employment.
The Jersey Shore hosts one of the most active summer STR markets in the country. Our DSCR program supports STR income where zoning permits.
Whether you're closing a single-asset SFR in a smaller New Jersey market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Essex + Hudson counties — NYC-metro premium LTR
Hackensack, Fort Lee, Paramus — NYC commuter belt
New Brunswick, Edison, Woodbridge — pharma + Rutgers
Red Bank, Freehold, Long Branch — shore corridor
Mercer County — state capital + Princeton
Philly-metro South Jersey commuter belt
Coastal STR + LTR corridors
Statewide coverage — send us any New Jersey 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 New Jersey. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout New Jersey — Newark & Jersey City, Bergen County, Middlesex County, Monmouth County, Trenton & Princeton, and every other NJ 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 New Jersey. 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.
New Jersey feeds two Fortune-500 metros (NYC + Philadelphia) with commuter-belt rentals. Central Jersey pharma anchors long-term stability. Shore corridors add STR income flexibility.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for New Jersey investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every New Jersey metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.