Ground-up construction loans for builders and investors developing new properties in Pennsylvania. 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.
Pennsylvania pairs Philadelphia + Pittsburgh anchor metros with a deep set of cash-flow secondaries (Erie, Scranton, Wilkes-Barre, Harrisburg). Lehigh Valley logistics adds a major growth angle. Real yield markets for portfolio investors.
Pittsburgh has repositioned around Carnegie Mellon-driven robotics + AI, plus a deep healthcare employer base (UPMC). Steady, high-quality employment drives rental demand.
The Lehigh Valley (Allentown, Bethlehem, Easton) has become one of the largest East Coast logistics and distribution hubs — Amazon, FedEx, and dozens of anchor tenants. Long-term rental demand.
Erie, Scranton, Wilkes-Barre, and Harrisburg offer some of the highest cash-on-cash yields in the Northeast. Real income for portfolio investors focused on cash flow.
Whether you're closing a single-asset SFR in a smaller Pennsylvania market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Philly + Bucks + Montgomery + Delaware counties
Allegheny County — tech + healthcare hub
Lehigh + Northampton — logistics corridor
Dauphin + Cumberland counties — state capital
Lancaster County — SFR + suburban growth
Erie County — Northwest PA cash-flow market
Northeast PA — NYC/Philly overflow + cash-flow SFR
Statewide coverage — send us any Pennsylvania 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 Pennsylvania. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Pennsylvania — Philadelphia Metro, Pittsburgh, Allentown & Lehigh Valley, Harrisburg, Lancaster, and every other PA 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 Pennsylvania. 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.
Pennsylvania pairs Philadelphia + Pittsburgh anchor metros with a deep set of cash-flow secondaries (Erie, Scranton, Wilkes-Barre, Harrisburg). Lehigh Valley logistics adds a major growth angle. Real yield markets for portfolio investors.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Pennsylvania investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Pennsylvania metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.