Construction Loans

Create a Space That Works for You

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Loans

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Finance the Perfect Space for Your Business

Customized Space with owner-occupied construction loans

When you need real estate, buying it isn’t always the best solution. In high-cost markets, it’s more affordable to build the property you need instead. But funding with ordinary loans won’t help you get the job done. Get matched with a construction loan that’s customized to fit your plans.

Traditional lenders don’t like to take on construction projects because there’s more work involved on their end. If the project falls through, they can lose their initial investment. If you need funding for construction, seek a private lender with expertise in the construction category. These lenders specialize in construction funding, but you need to effectively match to the right one. That’s where your loan broker can help! We know which lenders love to fund construction and who’d rather look the other way. You’ve got enough to plan for without worrying about where your construction funding will come from. Let us find a reliable lender to work with you.

Get Ready to Secure Your Investment

To Qualify:

Prepare by determining your investment amount, organizing your financials, and connecting with our brokers to find the right loan solution.

Step 1

Decide how much you want to spend.

Step 2

Get your financials ready.

Step 3

Contact our brokers!

Build Your Ideal Property

A construction loan is a unique financial product that differs from a traditional bank loan in several important ways. First, construction loans don’t pay in one lump sum. If your project hit a snag, you’d be on the line for the full amount. Instead, your construction loan lender will work with you and your contractors to develop a milestone-based funding plan. As you hit these milestones, funding gets released for the next. If the unexpected happens, you’re only responsible for the portion of the loan that’s been paid out, not the entire sum. That enables you to be more flexible if plans change. Secondly, you pay only the interest on the loan while you’re building. Your principal isn’t due until you’ve completed your project, freeing up capital to manage other expenses. You can build everything from multi-use apartment-retail spaces to office parks and parking garages with the right financing from our construction lenders.

Secure Your Business Location

Owner Occupied Loans

When you plan to use your finished space to house all or part of your own business, you want to fund it the right way. An owner-occupied loan gives you construction financing at a lower interest rate than a conventional loan. You’ll also be eligible for tax incentives and potential passive income once you’ve completed the project. Lenders like to see owners invested in the property they’re building. That’s why they offer a lower rate than they would if you planned to sell once the project was complete. If you’ll be using over half of the available space to operate yourself, you can rent out the rest and still save on financing. But to do it, you need to find the right loan, and that’s where we excel. Don’t shop for a construction loan on your own when you can utilize our expertise to find the right deal.

Develop Land for Your Future

Land Acquisition & Development Loans

Make raw land build-ready before you start construction with a land acquisition and development loan. A&D loans give you the power you need to tackle surveys, inspections, utility infrastructure, and debris removal with ease. Whether you’re building on the land yourself or preparing it for prospective buyers, our lenders can help make it happen. We match builders and investors with great deals on acquisition and development loans they won’t find anywhere else. We’ll help you purchase the land and make horizontal improvements (roads, subdividing, grading, etc.) as well as build interest and contingency reserves. To get the best rates, be prepared with a cash down payment and an exit strategy for your project. Our lenders would love to hear about your completed projects and development history. If you want to learn more about qualifying for a land acquisition and development loan, let a broker walk you through the process.

Seamless Shift to Long-Term Financing

Term to Perm

At the end of most construction loans, lenders expect to see the full principal paid in one balloon payment. But it’s not always easy for borrowers to manage such a large expense in one go. Term to perm loans let you roll that principal into a “permanent” loan like a commercial mortgage. That gives you ten years or more to pay off the principal at a low interest rate. Simply transition from the short-term loan into the long-term product with the help of your broker. Term to perm loans are a great solution for owner-occupied properties where the finished property won’t be sold to a new buyer. They give you time to enhance your investments and grow revenue before paying down the cost of building. To learn more about term-to-perm loans, speak with a qualified broker and get matched up with a lender that has experience you can trust.

Find the Right Loan for Your Investment

Whether you're looking to buy and hold property or fix it and move on, we'll help you find the right loan for the job. Our lenders offer short-term, long-term, fixed, and variable-rate loans that are easy to access no matter what your business credit looks like. Don't pay more than you need to!

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Other Financing Options to Consider

Alternatives

If customized space isn’t what you’re looking for, try:

Hard Money Loans

Hard money loans give you cash quickly so you can close your deals with speed. Since they’re asset-based loans, you don’t have to worry if your credit score is low. All you need is valuable assets to secure the loan. Use real estate, equipment, inventory, and more to get fast working capital.

Lines of Credit

Lines of credit let you borrow as often as you need to from the same account, without having to seek out another loan. You can use business assets to secure the line or qualify with your credit score for an unsecured account. You won’t pay interest if you don’t have a balance, making lines of credit an ideal financial safety net.

Get the funding you need with the right loan solution.

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