19 Construction Loan Lenders with AI in Clayton, New Jersey 2026

Lendersa® provides an array of construction loan lenders in Clayton, NJ, including regional banks, national lenders, and local hard money lenders who use private funds for ground-up construction or major rehab projects.

In Clayton, NJ, lenders calculate costs for a 2,000 square-foot home ranging from $298,363 for basic construction to $539,359 for more ornate builds. Interest rates and terms can vary based on the borrower's financial situation, LTV, ARV, and the type of lender chosen.

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Introducing the Magic Construction Loan Calculator

Lendersa® uses AI to match your loan request with hundreds of construction lenders. Discover the best construction rates for funding new builds, fix-and-flip, or major rehabs on residential and commercial properties in NJ.

Looking for Local Construction Loan Lenders?

Avoid unnecessary inquiries to protect your credit score. Secure preapproval for a land loan without providing your social security number or sensitive financial details.

You may be eligible for 100% LTV financing by pledging additional property as security under a blanket loan.

Use the Lendersa® land loan calculator to locate vacant land loan lenders in the zip codes 08312.



  • Venture Estate Group
  • 401 West 48th Suite 2W, New York, NY, 10036
  • Lends in New Jersey
  • Where traditional lenders decline, we provide solutions.

    We offer specialized programs for real estate investors, including:
    No minimum FICO requirements
    Ground-up construction financing with no prior experience needed
    No-ratio loans (no income or DSCR)
    Financing for rural and non-conventional properties
    Up to 95% purchase and 100% rehab fu

  • FastUpFront
  • 1360 Clifton Ave, Suite 193, Clifton, NJ, 07012
  • Lends in New Jersey
  • FastUpFront has established itself as a leader in the lending industry. Our mission is to help businesses succeed by offering simple and effective programs for business financing with a focus on quality service.Our unsecured cash advance program for businesses makes borrowing money simple and quick without the strict application requirements normal

  • Real Estate Funding Solutions
  • 211 E 43RD ST, NEW YORK, NY, 10017
  • Lends in New Jersey
  • REAL ESTATE FUNDING SOLUTIONS’ POLICY IS INCREDIBLY UNIQUE, AS WE REFUSE TO RUN CLIENT'S CREDIT UNTIL THEIR DEALS ARE FULLY APPROVED. OUR APPROVAL PROCESS ALLOWS CLIENTS TO USE THEIR OWN CREDIT REPORTS, WHICH THEY COULD OBTAIN THEMSELVES WITHOUT LEAVING ANY NEGATIVE IMPACT ON THEIR CREDIT REPORTS.

  • GuardHill Financial Corp
  • 140 East 45th Street, 31st FL, New York, NY, 10017
  • Lends in New Jersey
  • GuardHill Financial Corp. (NMLS #1609 - www.nmlsconsumeraccess.org) is a New York City-based mortgage banker and brokerage company originating approximately $1 Billion annually. For over 26 years, GuardHill has maintained its reputation as the Tri-state area’s premier independent mortgage lender.

  • Roc Capital
  • 645 Madison Ave, New York, NY, 10022
  • Lends in New Jersey
  • Roc Capital is your premier partner for real estate investment solutions. Specializing in 1-4 residential fix-and-flip projects, we empower investors with robust financial tools and insightful market analysis. Our expert team, led by Evan Hakimi, is dedicated to accelerating your business growth and maximizing returns. Connect with us to transform

  • York Funding LLC
  • 575 Lexington Avenue, 4th floor, New York, NY, 10022
  • Lends in New Jersey
  • York Funding is a direct hard money bridge lender to real estate professionals engaged in the acquisition and renovation of one-to-four family houses, multi-family apartment buildings, mixed-use properties, retail, office, strip malls, warehouses, notes, buildable lots, commercial properties, hotels and halted new construction.

  • Roc Capital
  • 645 Madison Ave, New York, NY, 10022
  • Lends in New Jersey
  • Roc originates, underwrites, funds and services a diverse product suite of business purpose residential and commercial real estate loans. We offer bridge and perm loans from 12 months to 30 years on Fix and Flips, Rentals, Multifamily and Ground Up property types and also Roc Capital is a subsidiary of Roc360. Via our parent company you can access

  • NJ Lenders Corporation
  • 219 Paterson Ave, Little Falls, NJ, 07424
  • Lends in New Jersey
  • We are a leading New Jersey and New York Mortgage Company that is privately owned and licensed as a residential mortgage banker. Founded in 1991, the company currently originates first and second mortgage loans in NJ, NY, CT, PA, VA, MD, and FL. With 7 offices and over $20 billion in closed mortgage loans, we know how to get the job done.

  • Capital Lending
  • 8417 Bergeline Avenue, North Bergen, NJ, 07047
  • Lends in New Jersey
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, financing tools & best of all quality service & individual attention.Capital Lending Corp. has committed itself to serve the underserved-from people in urban & ethnic minority communities that many financial institutions overlook.

  • Alma Bank
  • 31-10 37th Avenue, Suite 400, Long Island City, NY, 11101
  • Lends in New Jersey
  • Alma Bank is a community bank that offers personal and business banking services. The bank was founded in 2007 and is based in Astoria, New York. We have a network of 13 branches in New York and New Jersey. For more information please visit us on the web at almabank.com or call our Customer Care

  • Homeland Realty
  • 254 Union Boulevard, Totowa, NJ, 07512
  • Lends in New Jersey
  • Homeland Realty is North Jersey’s top internet marketer of real estate properties. At HomeLandRealtyNJ.com you can find information on local schools, weather, local information, links and other local resources for Totowa, Wayne, Clifton, Paterson and surrounding communities. Homeland Realty NJ, can assist you with a variety of real estate services.