85% LTC Ground-Up Financing

Commercial Construction Loans

Commercial Lending USA provides the leverage and certainty of execution that traditional banks are currently withholding. We fund the ground-up developments and heavy renovations that build the future of our communities.

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Capital Certainty for Real Estate Developments

Navigating the commercial construction landscape requires more than just capital; it requires a partner who understands the shifting costs of steel, labor, and the impact of the "Maturity Wall." While traditional institutions have tightened their construction portfolios, Commercial Lending USA remains aggressive in funding viable, high-impact projects.

As a nationwide correspondent lender, we prioritize project feasibility and asset value. Our "Direct-to-Lender" network allows us to bypass the bureaucracy of big banks, offering Lite-Doc and Asset-Based solutions that ensure your project breaks ground on schedule.

FINANCING SOLUTIONS

Our Construction Loan Product Suite

Tailored financing for every stage of development

Program 01

75% Max LTC

$100M+ Loan Ceiling

30yr Fixed Rate

Agency Construction-to-Perm: Fannie Mae & Freddie Mac

For experienced developers, our Agency programs provide the ultimate certainty of execution. While traditional banks may fluctuate with the market, Fannie Mae and Freddie Mac offer a streamlined path from the first shovel in the ground to a 30-year fixed-rate mortgage, shielding your project from future interest rate volatility.

Optimized Leverage: Secure up to 75% LTC (Loan-to-Cost) for ground-up multifamily developments, including Garden-style, Mid-rise, and High-rise assets.
Loan amounts: starting at $5,000,000 to $100,000,000+, specifically designed for large-scale residential investment projects.
Construction-to-Perm Efficiency: A "one-close" execution that provides interest-only payments during the 12–36 month construction phase, automatically converting to long-term permanent debt upon stabilization.
Build-to-Rent (BTR) & Workforce Housing: Specialized incentives for the surging BTR sector and projects that include affordable or "green" building components.
Seamless Stabilization: Eliminate the need for expensive bridge financing. Our Agency products include built-in "Bridge-to-Permanent" features that cover the lease-up period until the property reaches its target occupancy.

FLAGSHIP PROGRAM

Program 02

85% LTC Leverage

$15M+ Max Loan

25yr Amortization

SBA 504: The "Investment Powerhouse"

Best for Ground-Up Construction & Large-Scale Acquisitions. The 504 program is the gold standard for long-term wealth creation. It separates financing into a low-interest bank loan and a fixed-rate SBA debenture.

Maximum Loan Amount: Funding up to $15M+ of total project costs. Secure high-leverage capital for your commercial construction or renovation today.
High Leverage: Secure ground-up construction and heavy renovation funding with aggressive leverage up to 90% LTC. Build more and preserve your capital.
Terms: 25-year fully amortizing loans with zero balloon payments. Enjoy long-term stability and predictable monthly costs for your construction.
Fixed Rates: Secure below-market, long-term fixed rates to hedge against inflation and protect your project's ROI. High leverage, total certainty.
Strategic Use: Fund ground-up builds, land, & large-scale industrial/hospitality assets with flexible capital structured for large-scale acquisitions & development.

Program 03

80% Max LTC

$100M+ Loan Ceiling

36mo IO Period

Private Debt & Bridge-to-Perm

When speed and leverage are the primary drivers, our private lender network provides the "aggressive" capital necessary for garden-style, mid-rise, and Build-to-Rent (BTR) communities. We focus on project feasibility over rigid bank ratios.

Leverage: Maximize your project's potential with high-leverage construction financing up to 80% LTC. Secure the capital you need to build the future.
Loan Amounts: High-leverage construction loans from $250K to $100M+. Flexible 80% LTC ground-up financing for multifamily, BTR, and commercial projects.
Terms: Interest-only payments during the 12–36-month construction phase maximize your project's cash flow from ground-breaking to completion.
Exit Strategy: Built-in "mini-perm" options provide a seamless lease-up period, ensuring a smooth transition to long-term debt as your project stabilizes.
Asset Focus: High-growth residential models: from vertical High-rise builds to horizontal Build-to-Rent (BTR) neighborhoods. Scalable capital for 2026.

The Commercial Lending USA Advantage

In a market where "stalled" is the standard, we provide the momentum your project deserves.

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Commercial Lending Advantage

Asset-First Underwriting

We review your project’s pro forma and exit strategy first. Our internal review team focuses on the feasibility of the build, not just the borrower's tax returns.

200+ Exclusive Private Lenders & Investors Network

We are a "Corresponding Lender and Super Broker" with direct access to private debt funds, insurance companies, and preferred SBA lenders. We shop your construction deal to ensure you get the highest leverage and lowest points.

Streamlined Draw Process

We know that a slow draw kills a project. Our draw management system is designed for speed, ensuring your subs stay on site and your timeline stays intact.

Nationwide Expertise

From the "Data Center Alley" in Virginia to the high-growth corridors of Texas and Florida, we bring local market intelligence to every deal.

Our Approach

From Ground-Breaking to Stabilization

Our involvement doesn't end when the shell is complete. We provide the full lifecycle of financing.

Horizontal Construction

Funding for acquisition and site prep.

Bridge-to-Perm

Short-term financing to cover the lease-up period.

Permanent Debt

Transitioning you into 25-30 year fixed-rate financing.

Senior Housing

Assisted living, memory care, and independent living developments.

Self-Storage

Ground-up builds in under-supplied secondary markets.

Industrial & Flex

Warehousing and distribution centers driven by e-commerce.

Adaptive Reuse

Converting obsolete office or retail space into modern residential units.

Our Focus

Target Asset Classes for Real Estate Investment

We are currently prioritizing funding for high-demand sectors. Our capital is deployed strategically where it generates the highest impact and strongest returns for tomorrow's communities.

Ready to Build?

Let's discuss your project and structure the optimal financing solution.

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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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