Construction Financing

Construction Loans in Charlotte, NC

Charlotte is the second-largest banking center in the U.S. behind New York, home to Bank of America and Truist Financial. The metro's strong financial services sector, population growth exceeding 2% annually, and business-friendly climate drive robust demand for office, multifamily, and industrial space across the rapidly expanding metro.

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Construction Loan Details

Construction Financing for Charlotte Commercial Properties

CLS CRE provides construction loans for commercial real estate investors in the Charlotte-Concord-Gastonia market. With access to 1,000+ lender relationships nationwide, we source the most competitive terms available for Charlotte properties.

Loan Amount
$1M - $100M+
Term
12 - 36 Months
Rates
6.23% - 13.04%
Ltc
Up to 85% LTC
Structure
Interest-Only, Progressive Draws
Recourse
Recourse Typical, Non-Recourse Available
Track Record

Construction Deals Near Charlotte

Selected construction transactions in and around the Charlotte-Concord-Gastonia market.

Multifamily Apartments - Raleigh, NC
Construction
$38,000,000
Multifamily Apartments
Raleigh, NC
Construction financing for a 200-unit garden-style apartment community in Raleigh’s Research Triangle Park corridor, one of the nation’s top-performing job growth markets driven by biotech and technology employers.

Other Financing in Charlotte

Permanent Loans
Charlotte, NC
Bridge Loans
Charlotte, NC
SBA Loans
Charlotte, NC
Mezzanine & Preferred Equity
Charlotte, NC
Specialty Financing
Charlotte, NC

Property Types in Charlotte

Explore financing by property type in the Charlotte-Concord-Gastonia market.

Multifamily
Charlotte, NC
Industrial
Charlotte, NC
Retail
Charlotte, NC
Office
Charlotte, NC
Mixed-Use
Charlotte, NC
Hospitality
Charlotte, NC
Self-Storage
Charlotte, NC
Data Centers
Charlotte, NC
Senior Living
Charlotte, NC
Medical Office
Charlotte, NC

Construction Loans in Other Cities

Los Angeles, CA New York, NY Phoenix, AZ Dallas, TX Houston, TX Miami, FL Atlanta, GA Chicago, IL Denver, CO Seattle, WA San Diego, CA San Francisco, CA Austin, TX Nashville, TN Tampa, FL Minneapolis, MN Portland, OR Las Vegas, NV Orlando, FL Raleigh, NC Salt Lake City, UT San Antonio, TX Kansas City, MO Columbus, OH Indianapolis, IN San Jose, CA Philadelphia, PA Washington DC, DC Detroit, MI Boston, MA Baltimore, MD Sacramento, CA St. Louis, MO Pittsburgh, PA Cincinnati, OH Cleveland, OH Jacksonville, FL Milwaukee, WI Memphis, TN Oklahoma City, OK Louisville, KY Richmond, VA Virginia Beach, VA New Orleans, LA Birmingham, AL Hartford, CT Tucson, AZ Boise, ID Omaha, NE Tulsa, OK Honolulu, HI Albuquerque, NM El Paso, TX Riverside, CA Charleston, SC Greenville, SC Knoxville, TN Fort Worth, TX Savannah, GA
FAQ

Construction Loans in Charlotte FAQ

The best commercial lenders in Charlotte depend on your property type and loan needs. CLS CRE works with 1,000+ banks, life insurance companies, debt funds, CMBS conduits, and agency lenders to find the most competitive construction loans financing for your Charlotte property. Contact us for a customized lender recommendation.
Current construction loans rates in Charlotte range from 5.34% to 8.25%, depending on the lender, property type, and borrower qualifications. Rates in the Charlotte-Concord-Gastonia market are influenced by local market conditions, property quality, and competition among lenders.
Commercial loan closings in Charlotte typically take 45-90 days for permanent financing and 2-4 weeks for bridge loans. Timelines depend on the lender type, property complexity, and local requirements such as environmental reviews and appraisal turnaround times.
Not necessarily. While local banks and credit unions in Charlotte offer relationship-based lending, national lenders (life companies, CMBS, agency) often provide more competitive rates and terms. CLS CRE sources capital from both local and national lenders to find the best fit.
In the Charlotte-Concord-Gastonia market, the most financeable property types currently include multifamily apartments, industrial warehouses, and well-tenanted retail — all driven by strong local demand and favorable lender appetite. Contact CLS CRE for a market-specific financing assessment.

Get Construction Financing in Charlotte

Contact CLS CRE for a free, no-obligation construction loan quote for your Charlotte commercial property.

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Or call us: 310.758.4042

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