Commercial Construction Loans

Capital for Ground-Up & Transitional Commercial Development

We help qualified investors and developers access commercial construction financing across multiple levels of the capital stack. Our construction loan programs support the development of new commercial properties, land improvements, and transitional projects requiring flexible execution and experienced underwriting.

We finance projects nationwide and work closely with sponsors to structure capital that aligns with construction timelines, cost controls, and long-term exit strategies.

Commercial Construction Loan Terms (2025)

  • Minimum Loan Amount: $5,000,000
  • Leverage: Up to 70% Loan-to-Cost (LTC)
  • Loan Term: Flexible, project-dependent
  • Amortization: Interest-only during construction
  • Recourse:
    • Recourse standard on smaller transactions
    • Non-recourse available for loans over $20,000,000 (subject to structure)

Each loan is underwritten based on project scope, sponsorship strength, and market fundamentals.

Types of Commercial Construction Loans

We offer multiple construction-focused financing structures, including:

  • Land Development Loans
  • Acquisition & Development (A&D) Loans
  • New Construction Loans
  • Bridge Loans for Construction or Completion
  • Mezzanine Financing

These options allow borrowers to stack capital efficiently and maintain flexibility throughout the development cycle.

Property Types We Finance

Our construction loan programs support a broad range of commercial property types, including:

  • 1–4 unit properties (commercially zoned)
  • Multifamily properties (5+ units)
  • Churches and religious facilities
  • Commercially zoned single-family rentals (SFRs)
  • Industrial properties
  • Assisted living facilities
  • Mobile home parks
  • Short-term rental developments (Airbnb-type properties)
  • Self-storage facilities
  • Warehouse and logistics buildings

Eligibility depends on zoning, use, and project feasibility.

Construction Loan Features

  • Funding for ground-up commercial development
  • Land acquisition financing for future construction
  • Loan amounts structured to project size and scope
  • Fixed and variable interest rate options
  • Interest-only payments during construction
  • Program-specific terms and structures

Additional Benefits

  • Payment structures aligned with construction phases
  • Single disbursement structures available on select programs
  • Online access via website and banking platform
  • Permanent (take-out) financing available during construction
  • Local underwriting and relationship officer support
  • Sponsor-focused execution and responsive communication

Our goal is to reduce friction during construction and provide clarity from groundbreaking through stabilization.

Our Commercial Construction Financing

  • Private and institutional capital access
  • Flexible construction loan structures
  • Experience across diverse commercial property types
  • Ability to combine construction and permanent financing
  • Nationwide lending platform
  • Relationship-driven underwriting and execution

For any questions about commercial construction loans, contact our office. We’ll connect you to a loan specialist who can guide you in the right direction.

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