Ground-Up Construction Loans
Finance new commercial construction — multifamily, retail, office, industrial, and mixed-use development.
Overview
Ground-up commercial construction loans fund the development of new commercial properties from the ground up. These are complex loans requiring detailed project plans, budgets, and timelines. Interest-only payments during construction convert to permanent financing upon completion. Available for a range of property types.
Who Is This For?
- Developers building new apartment communities
- Business owners constructing purpose-built facilities
- Investors developing new retail, office, or industrial properties
- Mixed-use developers
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Plans & Budget
Finalize architectural plans, construction budget, and development timeline.
Secure Financing
We source construction capital from banks, private lenders, or SBA.
Build Phase
Interest-only during construction with draw-based funding.
Stabilize & Convert
Complete construction, lease up, and convert to permanent financing.
Frequently Asked Questions
Loan-to-cost (LTC) typically ranges from 65–80% for commercial construction. The borrower contributes 20–35% of total project cost as equity.