Draw-based private construction financing for builders, developers, and investors — flexible advances that keep your build moving without the delays of bank construction mortgages.
A construction loan is short-term financing that funds a build or major renovation in stages, with money advanced as work is completed rather than in one lump sum. Each advance — or "draw" — is released against verified progress, so your financing tracks the project and your interest cost stays tied to what you've actually drawn.
Bank construction mortgages can stall builders with rigid draw schedules, slow inspections, and weeks of approval time. As an Alberta private lender, Stratfor Capital structures draw-based construction financing around your project timeline, with quick advances so trades and suppliers get paid on schedule.
Single-family, infill, and multi-unit residential construction across Alberta.
Substantial rebuilds, additions, and value-add renovation projects.
Builder financing for spec inventory and custom-home projects.
Lot acquisition, servicing, and pre-construction costs on a path to a build.
Duplexes, fourplexes, and small apartment builds with staged draws.
Capital to finish a stalled project and bring it to occupancy or sale.
Funds are advanced in stages as construction progresses — for example at foundation, lock-up, and completion — with each draw confirmed by an inspection or progress report. We work with your build schedule and account for standard Alberta requirements such as the Builders' Lien Act holdback, so advances are predictable and your cash flow stays healthy from groundbreaking to final draw.
Share your project, budget, and timeline. We respond within 24 hours.
We review the land value, build budget, draw schedule, and exit plan.
You receive a term sheet with a clear draw structure and conditions.
Advances are released against verified progress, fast and predictably.
| Parameter | Details |
|---|---|
| Loan Amounts | $50,000 – $5,000,000+ |
| Loan-to-Cost / Value | Up to 75% (case-by-case) |
| Term | 6 to 24 months (renewals available) |
| Interest Rates | 10% – 16% (project-dependent) |
| Draw Schedule | Flexible, staged against verified progress |
| Security | 1st or 2nd mortgage on Alberta real estate |
| Project Types | Residential, multi-family, land/servicing, mixed-use |
| Geography | Alberta-wide |