Land & basis
Purchase date, original basis, current value and existing liens matter.
BUILD
Ground-Up Construction Financing
Capital for land, vertical construction and project completion—structured around cost, experience, schedule and after-construction value.
Construction loans are project loans.
Karpata focuses on the complete build story: land basis, current land value, existing debt, plans and permits, budget, builder experience, draw schedule, contingencies and exit.
Budget & contingency
A lender needs a credible line-item budget, not a single construction number.
Experience & execution
Builder / GC track record can materially affect leverage and pricing.
After Construction Value
ACV is a core constraint on total financing and exit strategy.
Draw mechanics
Most construction facilities reimburse completed work through inspections and documented draws.
Exit strategy
Sale, rental stabilization or permanent commercial financing should be planned before closing.