Ground-up construction loans for builders and investors developing new properties in South Carolina. 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.
SC is one of the top-inflow states in the country. Greenville is a major manufacturing hub (BMW/Michelin) driving stable employment. Charleston combines port-city commercial activity with a strong coastal STR market. Landlord-friendly law rounds it out.
South Carolina has ranked among the top US states for net migration for years. That inflow shows up as sustained rental demand across every major metro.
BMW's largest global plant, Michelin's North American HQ, and a deep automotive supply chain anchor Upstate SC's rental demand around Greenville and Spartanburg.
Myrtle Beach, Hilton Head, Folly Beach, and Charleston's beach corridors host active short-term rental markets — SLA's DSCR program supports STR income where local zoning permits.
Whether you're closing a single-asset SFR in a smaller South Carolina market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Charleston County — plus Mount Pleasant, North Charleston, Summerville
Richland + Lexington counties — capital + Fort Jackson demand
Upstate SC — BMW/Michelin manufacturing hub
Upstate — Inland Port + logistics anchor
Horry County — coastal LTR + STR corridor
York County — Charlotte-adjacent commuter market
Beaufort County — premium coastal STR + LTR
Statewide coverage — send us any South Carolina 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 South Carolina. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout South Carolina — Charleston, Columbia, Greenville, Spartanburg, Myrtle Beach, and every other SC 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 South Carolina. 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.
SC is one of the top-inflow states in the country. Greenville is a major manufacturing hub (BMW/Michelin) driving stable employment. Charleston combines port-city commercial activity with a strong coastal STR market. Landlord-friendly law rounds it out.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for South Carolina investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every South Carolina metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.