Ground-up construction loans for builders and investors developing new properties in Virginia. 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.
Virginia combines Northern Virginia federal + data-center employment with Hampton Roads military demand and Richmond state-capital stability. Universities round out predictable long-term rental demand across the state.
Northern Virginia hosts the deepest federal + defense-contractor employer base in the country outside DC itself, plus the world's largest data-center corridor (Loudoun County). Stable, high-income rental demand.
Norfolk Naval Base, Naval Station Norfolk, Langley AFB, and multiple military installations anchor deep military rental demand across Hampton Roads.
Charlottesville (UVA), Blacksburg (Virginia Tech), and Williamsburg (William & Mary) provide stable university-anchored rental demand across the state.
Whether you're closing a single-asset SFR in a smaller Virginia market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Fairfax + Loudoun + Prince William — DC-metro + data-center corridor
Henrico + Chesterfield counties — state capital
Virginia Beach, Norfolk, Chesapeake, Newport News — military-anchored
Albemarle County — University of Virginia
Roanoke County — SW Virginia SFR
Montgomery County — Virginia Tech market
Central + Northern Virginia secondary markets
Statewide coverage — send us any Virginia 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 Virginia. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Virginia — Northern Virginia, Richmond Metro, Hampton Roads, Charlottesville, Roanoke, and every other VA 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 Virginia. 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.
Virginia combines Northern Virginia federal + data-center employment with Hampton Roads military demand and Richmond state-capital stability. Universities round out predictable long-term rental demand across the state.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Virginia investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Virginia metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.