Partially Complete Construction Loans

Helping clients cross the finish line

Private Funding For Completing Partially Constructed Projects

If a borrower runs short on funds to complete a construction project, AIC will consider funding the balance necessary for completion.

In all cases, AIC must be in first-lien position at a maximum of 65% loan-to-value ratio. The borrower needs to provide adequate proof that all invoices have been paid or will be paid through the loan closing. The borrower also needs to provide a line-item breakdown to complete the project.

In most cases AIC has helped clients who knew they could acquire the property and/or build to a certain stage of construction by using their own funds, with the intention to receive a loan from AIC to complete the project.

Funding semi-complete construction loans has become a niche of AIC’s business as nearly all banks and credit unions will not fund loans if  any work has occurred on the property. As long as the borrower has retained all receipts and paid invoices, AIC can step in mid-way through the project and work with the borrower to cross the finish line.

AIC provides funding to finish either partially completed remodeling or new construction projects. If you have a project and need additional funds to finish, give AIC a call to see how we can help.

How We Work

Are you new to real estate investment or private money lenders? AIC is always accepting quality loan requests for a variety of projects. Learn a bit about our process. Questions? Call us!

Get In Touch

Simply give us a call or fill out our form. We’ll assess your situation and provide a realistic evaluation.

As a direct lender, we can approve loans immediately and issue pre-approvals – no waiting, no middleman.


Once we’ve determined your project is a good fit, we’ll send the loan application. AIC doesn’t request debt to income ratios, bank statements, or typical documents that ordinary lenders need. Simply apply with our easy form.

Receive funding

We’ll open escrow once we have your application. You can sign at escrow and we’ll close and fund on the same day. It takes a few business days to receive the title report and to order loan documentation. Our process is streamlined and fast!

Pay the bill

It’s easy to pay your bill!

ACH payments are our preferred method, due to their convenience, fast processing time, and security.

We also take checks.

Why Partner With AIC?

Experience: Established 35 years ago, AIC has the knowledge and the skills to fund common-sense real estate loans in Oregon.

Personalized Service: Our small team of friendly experts tailor loans to the individual needs of our clients. Clients work with one person throughout the entire process to ensure a personalized touch.

Fast Funding: Our nimble team performs a variety of tasks in-house, such as underwriting and document-drawing, and we generally do not require an appraisal. Our process is easy and quick – we can usually close in 5-10 days if a complete file is provided.

No Junk Fees: AIC never charges any upfront fees or “junk fees” like document prep, underwriting, service fees, etc. We take pride in honest lending practices.

Competitive Rates: AIC provides both exceptional service and rates/fees that are competitive in the market.

No Draw Fees: AIC never charges any fees for construction draws or inspections. AIC typically processes construction draws the same day they are received.

Tell Us About Your Project

Partially Complete Construction Case Studies

See real results that our loans and guidance have achieved