Ground up. Powered up. 
Strategic Ground-up Financing From Land To Final Inspection.
Premium Build gives builders the capital and structure to move confidently from land purchase to completed home. With high leverage, controlled land exposure, and a clear draw process, this program is designed to keep your pipeline moving and your cash working across multiple projects.
Program Overview 
Premium Build – Ground Up Construction
One unified program for ground-up residential construction, from land acquisition through vertical.
- Use Premium Build when you’re:
- Acquiring land for a new ground-up project
- Building on lots you already own
- Rolling proceeds from a recent sale into your next build
- Moving from land carry into construction and your exit (sale or take-out loan)
At a Glance
Feature
Premium Build
Loan Amounts:
$250,000 – $3,000,000+
Term:
12–24 months, interest-only
Max LTC:
Up to 95% of total project costs
Max LTV:
Up to 75% of completed value
Max Land Leverage:
Up to 65% of land value
Prepayment Penalty:
None
Rates & Terms 
Simple Documentation
We focus on what’s needed to underwrite the deal and your plan — not endless paperwork.
Application (borrower & guarantor)
Purchase contract or HUD statement (if applicable)
Approved budget and detailed cost breakdown
Plans, specs, and permit status
GC agreement (if using a third-party contractor)
Bank statements for liquidity
Entity formation documents (LLC, LP, or Corp)
Insurance declarations
Appraisal or as-completed valuation
Borrower Requirements
- Entity-based lending only (LLC, LP, or Corporation)
- Personal guarantees from all key principals
- Minimum FICO: typically 660+
- Relevant construction or heavy rehab experience strongly preferred
- Strictly business-purpose — not for consumer or owner-occupied properties
Insurance Requirements
- Minimum policy term: 12 months
- Builder’s risk / hazard coverage: at least 80% of insurable value
- Liability coverage: at least $500,000
- Flood insurance required if the property is in a designated flood zone
trentium premium loans
Premium Bridge
Bridge – Choice
Bridge – Limited
Premium Rehab
Rehab – Cosmetic
Rehab – Structural
Premium Build
Premium DSCR
DSCR – Core
DSCR – Expanded
DSCR – Portfolio
DSCR – Foreign National
DSCR – Multifamily
we are here 
Where We Lend
Trentium lends across a growing footprint of states nationwide, with select licensing restrictions.
Use the interactive map on this page to see where Premium Build is currently available and any state- or program-specific limitations. If your state isn’t highlighted yet, reach out — we may still be able to review your scenario.
Build faster. Build smarter. Build with Premium Build.
Move from land to finished product with premium capital designed for builders.
Frequently Asked Questions
What is Trentium Capital’s Premium Build loan?
Premium Build is a ground-up construction financing program that funds builders from land acquisition all the way through vertical construction and final inspection. It offers high leverage (up to 95% LTC), 75% LTV, flexible draw schedules, and a simplified underwriting process designed for active builders managing multiple projects.
Who is Premium Build designed for?
Premium Build is built for:
- Spec home builders
- Infill and teardown builders
- Small-to-mid-sized developers
- Real estate investors moving from land to construction
- Builders wanting maximum leverage to keep cash working across several projects.
If your business focuses on acquiring land, building a new home, or rolling proceeds into your next project, Premium Build is the right fit.
How much leverage can I get with Premium Build?
Premium Build offers some of the highest leverage in private lending:
- Up to 95% LTC (Loan-to-Cost)
- Up to 75% LTV (Loan-to-Value upon completion)
- Up to 65% land leverage
This helps builders reduce upfront cash requirements and scale faster.
What project types qualify for Premium Build?
Eligible ground-up construction projects include:
- Single-family residences (SFR)
- Townhomes & PUDs
- Infill projects
- Teardown → new construction
- Model homes & spec homes
- Builder-owned lots with permits in progress
Projects not supported: rural land, mixed-use, commercial property, manufactured homes, farms, or unique/unstable collateral types.
What loan amounts are available?
Premium Build offers flexible construction loan sizes:
$250,000 to $3,000,000+
Larger loans may be approved on a case-by-case basis depending on project scope and experience.
How fast can Premium Build close?
Typical closing speed: 7–10 days.
With complete documentation (plans, budget, permits), many builders close even faster.
All underwriting, servicing, and draws are handled in-house, reducing delays.
What documentation is required?
We keep documentation simple. Most Premium Build loans require:
- Application (entity + guarantor)
- Purchase contract or HUD (if applicable)
- Approved construction budget & scope
- Plans, specs & permit status
- General Contractor agreement (if using a GC)
- Entity formation documents (LLC/LP/Corp)
- Bank statements for liquidity
- Insurance declarations
- Appraisal or as-completed valuation
This streamlined documentation ensures builders get conditional quotes quickly.
What borrower requirements apply?
To qualify for Premium Build:
- Entity required (LLC, LP, Corp)
- Personal guarantees required
- FICO typically 660+
- Construction or heavy rehab experience strongly preferred
- Strictly business-purpose, non-owner-occupied properties
First-time builders may qualify depending on GC strength and project type.
What are the draw and inspection timelines?
Trentium Capital is known for fast, predictable draws:
- Draws typically funded within 24–48 hours of inspection
- In-house construction management
- Clear line-item tracking for budgets
- No hidden fees or surprise inspections
Predictable draw cadence keeps your crews working and timelines moving.
Is there a prepayment penalty?
No.
Premium Build has zero prepayment penalty.
Builders can sell or refinance anytime without penalty.
What are the insurance requirements?
Builders must maintain:
- 12-month minimum policy term
- Builder’s risk / hazard coverage (≥80% of insurable value)
- Liability coverage ≥ $500,000
Flood insurance when required by FEMA flood zone designations
Can I finance land and construction together?
Yes. Premium Build allows:
- Land acquisition + vertical construction
- Vertical-only construction on lots you already own
- Roll-forward financing from land carry into construction
This single-program structure prevents delays and simplifies funding.
What states does Premium Build cover?
Trentium lends across a growing nationwide footprint, with certain state-specific eligibility requirements.
Use the state availability map on the Premium Build page to confirm lending availability in your market.
If your state isn’t highlighted, you may still be eligible — reach out for a scenario review.
What makes Premium Build different from other construction loans?
Premium Build stands out because it offers:
- Higher leverage (up to 95% LTC)
- 7–10 day closings
- In-house underwriting, servicing & draws
- Clear permit ladder based on experience
- No prepayment penalty
- Full transparency on fees and loan structure
Builders choose Premium Build because it is faster, simpler, and designed specifically for active ground-up operators.
How do I get a Premium Build quote?
You can receive a personalized term sheet in minutes by providing:
- Plans
- Budget
- Permit status
- Project address
Click “Get My Rate” or “Talk to a Specialist” on the page to start your quote.