Commercial lending | All 50 states

Construction Loan for commercial real estate.

Construction financing for ground-up development major renovations adaptive reuse and completion of commercial projects. Transaction positioning, direct lending, underwriting and closing support for qualifying opportunities nationwide.

Speak with our teamCall Now — 866-217-7741

National Lending with $600+ Million in CRE Loan Requests Processed Monthly

Construction loan qualification

What Lenders Review for a Commercial Construction Loan

Qualification Profile

  • Developer and builder experienceCompleted projects of similar scale and type by the sponsor, general contractor and design team.
  • Sponsor equity and liquidityCash equity or land equity contributed, plus liquidity to cover overruns and support a completion guarantee.
  • GuaranteesCompletion, carry and repayment guarantees that lenders may require from the sponsor on a commercial construction loan.

Property & Loan Considerations

  • Construction budgetHard costs, soft costs, contingency and financing costs detailed in a lender-ready construction budget.
  • Loan-to-cost and loan-to-valueRequested proceeds measured against total project cost (LTC) and the projected stabilized value (LTV).
  • Plans, permits and contractsApproved plans, building permits and the general contractor agreement that define scope and pricing.
  • Interest reserveReserves funded within the loan to cover interest during construction and lease-up.

Market Profile

  • Demand for the finished productTenant, buyer or resident demand supporting the planned use once construction is complete.
  • Pipeline and competing supplyOther projects under construction or planned that could affect lease-up or sales absorption.
  • Stabilized value supportMarket rents, sales comparables and capitalization rates used to project the completed value.

Execution & Underwriting Considerations

  • Construction scheduleTimeline from groundbreaking through completion and stabilization, with key milestones identified.
  • Draw processConstruction draw financing administered through inspections, lien waivers and budget reconciliation.
  • Cost-overrun protectionContingency, guaranteed maximum price contracts and sponsor support for budget variances.
  • Permanent takeout financingThe construction to permanent loan, refinance or sale that retires construction debt after completion.

All financing opportunities remain subject to underwriting, diligence, documentation and capital-provider approval.

Commercial construction financing

Construction Financing from Groundbreaking to Stabilization.

Browse by state

Direct access to local financing resources.

Every state page connects major markets, property types and related capital solutions.