Ground-up construction loans for builders and investors developing new properties in Oregon. 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.
Oregon is anchored by Portland's Silicon Forest (Intel, Nike) plus growing Central Oregon (Bend). Universities and state-capital demand round out the state. STR corridors add flexibility for mixed strategies.
Washington County (Beaverton, Hillsboro) hosts Intel's largest US site plus Nike's global HQ. Deep tech + design employment drives rental demand across the metro.
Bend has been one of the fastest-growing metros in the Pacific Northwest. Active STR corridors on the east side of the Cascades add flexibility. Our DSCR program supports STR income where zoning permits.
Eugene (Oregon), Corvallis (OSU), and Salem (state capital) round out stable, predictable rental demand outside the Portland metro.
Whether you're closing a single-asset SFR in a smaller Oregon market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Multnomah + Washington + Clackamas counties
Lane County — University of Oregon market
Marion County — state capital
Deschutes County — Central Oregon growth + STR corridor
Southern Oregon secondary markets
Benton County — Oregon State University
Silicon Forest — Intel + Nike anchors
Statewide coverage — send us any Oregon 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 Oregon. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Oregon — Portland Metro, Eugene, Salem, Bend, Medford & Ashland, and every other OR 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 Oregon. 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.
Oregon is anchored by Portland's Silicon Forest (Intel, Nike) plus growing Central Oregon (Bend). Universities and state-capital demand round out the state. STR corridors add flexibility for mixed strategies.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Oregon investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Oregon metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.