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Construction Loans

Buying property for your business isn’t always the best move. In markets where the high cost of real estate makes it hard to buy, build it instead. Customize your workspace from the ground up to make sure everything is just the way you want.

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Construction Loans

Buying property for your business isn’t always the best move. In markets where the high cost of real estate makes it hard to buy, build it instead. Customize your workspace from the ground up to make sure everything is just the way you want.

Apply Today

Construction Loans

Buying property for your business isn’t always the best move. In markets where the high cost of real estate makes it hard to buy, build it instead. Customize your workspace from the ground up to make sure everything is just the way you want.

Apply Today

Construction Loans

Buying property for your business isn’t always the best move. In markets where the high cost of real estate makes it hard to buy, build it instead. Customize your workspace from the ground up to make sure everything is just the way you want.

Apply Today

Starting construction on a new property may seem like a daunting task, but it can be less expensive than buying existing real estate. Unlike financing for CRE, construction loans don’t give you a lump sum upfront. Instead, your lender works with you to set up construction milestones. When you reach one milestone, funding is released for the next. That means if there are hiccups in your plans, you won’t be liable for the entire loan amount. Funding structure is just one advantage construction loans have over other types of loans. Construction loans can be used to build an entirely new building, add an extension, or renovate property already in your portfolio. You can also handle the cost of land development, utility infrastructure, planning, and surveying with your construction loan. But not all construction loans are equally suited to every business. We partner with a range of lenders, so we can help you find just the right fit.

Construction Loans

Simply put, construction loans help you cover the costs of construction. But there’s more to them than that. When you build your own property, you can customize it the way you want. Add in special ventilation systems, water filtration, and sustainability upgrades that give you tax advantages. You don’t have to start with the foundation either. If you need extra space, build an extension, a parking garage, and outbuildings using a construction loan. Your lender will work with you to help ensure you’re hiring the right contractors with a reputation for reliability. Before you apply for a construction loan, make sure to speak with a broker to make sure you’re getting the best possible financing for your project. One of the main reasons small businesses get turned down for construction loans is because their loan application was incomplete. We’ll help you position your portfolio for success by making sure all of your documents are submitted accurately and on time.
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Owner Occupied

Finding funding for a construction loan looks different depending on the type and purpose of the property you’re building. Lenders treat your application differently if you plan to resell the property right away than if you intend to keep it. When you’re building property to house your business, lenders know you’re invested in making that property succeed. That’s why it can sometimes be easier to get an owner-occupied construction loan than other forms of construction lending. Owner-occupied real estate can have certain tax advantages as well. As long as you’re using the minimum required area for your business, you can rent out additional space to other companies, adding rental income to your bank account. To get more details on how an owner-occupied construction loan can work for your specific business, speak with a loan broker. We’ll help you compare lenders, navigate the application process, and position your business credit for success.
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STEP 1

Contact our brokers to help you land the best financing for your needs.

STEP 2

Choose your financing from a range of affordable options.

STEP 3

Position your application for success when you work with a broker.

Land Acquisition & Development Loans

If you’ve ever undertaken a construction project, you know land doesn’t just come prepared for construction. First, you may need to conduct a geological survey, remove debris from the area, pack and grade the land, install utility infrastructure, and build roads. Those tasks require funding just as much as the primary construction project does. With land acquisition and development loans from our lender network, you can get funding for all your pre-construction needs. Manage surveys, permits, inspections, planning, and labor costs with one loan. You’ll get the money you need to make sure your construction project starts on solid ground. When you need to buy and develop land, ask our brokers how to make it affordable. We’ll show you side-by-side lender comparisons and help you identify which one offers what you need. Then, we’ll help you put together an application that makes your business shine. Let us know what you want your future to look like.
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Term to Perm

When you build new real estate, you can choose to sell that property to another entity or keep it in your portfolio. Term to perm loans make it easier to hold properties once they’re built by switching gears after construction is complete. The term portion of the loan gives you an interest-deferred source of capital while construction is underway. When you’ve cut the ribbon on your new property, you can roll the final payment on your term loan into a long-term CRE mortgage. It’s a smart way to transition without having to seek a second loan and repeat the application process. You also avoid the lump sum payment that remains on the term loan after it expires. To find out how a term to perm loan can help you realize your business goals, speak with one of our qualified brokers today. We’ll match you with a lender who understands your needs.
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Alternatives

If Construction Loans isn’t what you’re looking for, try:

Hard Money Loans

Hard money loans are short-term loans that are based on the equity you have in your business, not your credit score. Leverage real estate, equipment, inventory, or shares to bring in extra capital fast. Most loans are approved in 24 hours or less. Find out how to apply by speaking with one of our professional brokers.

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Lines of Credit

A line of credit helps ensure that you have access to capital on demand. Smooth out seasonal cycles, prepare for the unexpected, and borrow as often as you need when you have a line of credit. Choose a secured or unsecured line depending on your business credit. We’ll help you find one that’s just right.
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Do you have questions about financing your business? With so many options, it's hard to know when you are getting clear information. We are happy to help you navigate the financing process and to provide you the information you need to step confidently forward into quality financing.

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