Without credit, the answer is usually: advance payment as security.
In our long search for a construction loan, we have not found anyone who builds without security. Most want an assignment of the loan (which is usually formulated very vaguely, Town & Country even sells this as extra security for the builder...). Our construction loan only provides coverage of 10%, and others require assignment plus bank guarantee. In addition, with general contractors there is usually a high overpayment in the first installments, which ultimately is nothing other than additional security.
We have categorically excluded an assignment, which even led to the termination of an already signed construction contract. Nobody allowed any leeway, no concessions.