Welcome to the Construction Division of CommercialLendingUSA.com. We recognize the hurdles involved in securing funding for ground-up construction projects. Many lenders are cautious about providing construction loans due to various factors such as zoning requirements, appraisals, and environmental regulations, particularly for new constructions within specific industries.

At Commercial Lending USA, we specialize in offering comprehensive horizontal and vertical construction financing solutions nationwide. Our expert team is well-versed in various commercial and residential investment construction loans, including SBA, USDA B&I, FHA (multi-family, healthcare, assisted living, and seniors housing facility), conventional, home builder, Fannie Mae, Freddie Mac, and private lender options. Whether you're building single-family homes, hotels, apartment buildings, retail spaces, medical facilities, or any other commercial property, we're fully equipped to assist you with funding. Additionally, we provide Fix N’ Flip and cash-out refinance options for both residential and commercial properties.

With flexible payment terms and competitive interest rates, we tailor each loan to suit your business needs, carefully considering the project and adhering to underwriting guidelines. We pride ourselves on funding even the most challenging loans, thanks to our unique relationships with over 200 partners and lenders.

New Construction Loan Features:
  • Loan Amounts: $250,000 - $100,000,000
  • Available Rates: 8% - 12%
  • Typical Terms: 12-36 months
  • Points Charged: 2% - 4%
  • Max Loan-To-Value (LTV): 70%
  • Max Loan-to-Cost (LTC): 90%
  • Owner Occupied Allowed: SBA 7a only
  • Interest Only Loans: Available
  • Prepayment Penalties: None
  • Mortgage Payment: If required
  • Minimum FICO Score: 600+
  • Time to Close: 20-60 days

We specialize in complex construction financing and can customize solutions to fit your unique situation. When traditional banks decline, we step in with a resounding "YES." Our flexible underwriting process tailors’ loans to your project and financial objectives, making us your most investor-friendly option. Let our experienced team handle your construction and commercial financing needs while you focus on construction and management.

TYPES OF NEW CONSTRUCTION:

apartment building
New Apartment Building
energy project
Senior Housing
hotel motel
Hotel/ Motel Construction
mixed unit
Mixed- unit Construction
 gas station
Gas Station and Car Wash
retail
Retail and Office Building
agriculture project
Assisted Living Facility
builder project
Builder Construction Project
builder project
Health Care Facilities

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