Ground Up Construction Loans
Build your vision from the ground up with construction financing designed for commercial projects. Staged funding and expert support throughout your build.
$500k - $50mm
Loan Amount
12-36 months
Construction Period
Staged Funding
Draw-Based Disbursement
How It Works
Submit Plans & Budget
Provide construction plans, budget, timeline, and contractor information for loan evaluation.
Get Approved & Close
Receive loan approval based on project viability and your qualifications. Close on the loan and begin construction.
Draw Funds as You Build
Request funds at completion milestones. We inspect progress and release funds based on completed work.
Convert to Permanent Financing
Upon completion, convert to permanent financing with competitive long-term rates and terms.
Key Benefits
Custom-Built Property
Build exactly what your business needs rather than adapting to existing structures.
Draw-Based Funding
Only pay interest on funds disbursed during construction, managing your capital efficiently.
Expert Support
Experienced construction loan team provides guidance throughout the building process.
One-Time Close Option
Single closing that converts to permanent financing upon completion, saving time and costs.
Flexible Project Types
Finance office buildings, retail spaces, industrial facilities, and special-use properties.
Professional Oversight
Third-party inspections ensure quality construction and protect your investment.
Qualification Requirements
- Credit Score: Strong personal and business credit (700+ preferred)
- Down Payment: 20-30% of total project cost required
- Detailed Plans: Complete architectural plans, engineering, and specifications
- Licensed Contractor: Qualified, licensed contractor with proven track record
- Project Budget: Comprehensive budget with line-item breakdown
- Timeline: Realistic construction timeline with milestones
- Exit Strategy: Clear plan for permanent financing or property use
Project Types We Finance
Office Buildings
Multi-tenant or owner-occupied offices
Retail Centers
Strip malls and shopping complexes
Industrial Facilities
Warehouses and manufacturing plants
Mixed-Use Developments
Combined commercial and residential
Hospitality
Hotels and lodging facilities
Healthcare
Medical offices and clinics
Self-Storage
Storage facility developments
Special Purpose
Custom commercial buildings
Other Financing Options
Ready to Build Your Project?
Apply now and start building the commercial property your business needs.