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This program is designed to provide a business loan to construct a commercial property (Office Buildings, Retail Stores, Shopping Centers, Warehouse/Flex Space, 5+ Multi-Family units and most other income generating properties). 


  • Loan Amounts: $100,000 to $4,000,000 

  • Fast pre-qualification, typically between 3 to 5 business days

  • Loan to Value: Up to 75% of the appraised value based on the income approach. Cross collateralization allowed on other properties, if needed, for maximum or greater loan amounts. 

  • Deal Directly with Loan Officer/Underwriter

  • Loans are available to Borrowers with excellent to less than perfect credit

  • Flexible draw schedules

  • Closings typically within 21 days+. Fast track closing available, 14+/- subject to receipt of required documentation 

  • Term: Up to 18 months (longer terms available on an exception basis) 

  • Pre-payment: Allowed without penalty 

  • Interest only payments based on funds drawn 

  • Land purchase may be included in the construction loan 

  • Full and limited programs available

  • Owner and non-owner occupied commercial properties are eligible

  • Foreign Nationals are eligible for this program

  • Loans available in the following states: AK, AL, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IN, KS, KY, MA, MD, ME, MI, MO, MS, MT, NC, NE, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WY 

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