A build-up process for fabricating a multi-layer PCB is provided that prevents, or at least reduces the lengths of, overhangs in the finishing metal layer that is plated onto the electrical contact metal layer. The metal seed layer is etched away prior to plating the finishing metal layer onto the electrical contact metal layer. The electrical contact metal layer is covered with a layer of dielectric material, which is then patterned to selectively expose preselected areas of the electrical contact metal layer. The exposed preselected areas of the electrical contact metal layer are then plated with the finishing layer of metal. The result is that overhangs are eliminated or at least greatly reduced in length. In addition, the dielectric material layer serves a function similar to that of a solder mask and obviates the need to apply the oxide to serve as a solder mask.