Construction loans fund ground-up development and major renovation projects for commercial real estate. These short-term facilities typically feature 12 to 36-month terms with interest-only payments during the build period, funded through progressive draws as construction milestones are met. Lenders include banks, debt funds, and specialized construction lenders.
Apply for Construction Financing →Construction financing is inherently higher risk than permanent lending, which means lender selection and deal structuring are critical. Experienced borrowers with strong track records can access competitive bank construction loans, while more complex or speculative projects may require debt fund capital. Key considerations include loan-to-cost ratios, interest reserves, completion guarantees, and the exit strategy — whether that's a permanent loan take-out, sale, or refinance.
A selection of construction loans we have closed across the country.
Construction Loans are available for all major commercial property types. Explore financing by property category.
A comprehensive guide to ground-up multifamily construction in Los Angeles for 2026, covering construction loan financing, entitlement strategies, development costs, zoning changes, and the market outlook for apartment developers in LA County.
A complete guide to construction-to-permanent loans for commercial real estate, covering how single-close financing works, current rates, qualifying requirements, and when this loan type makes the most sense for developers.
Everything you need to know about commercial construction loan requirements in 2026, including equity, experience, documentation, rates, and how to qualify for ground-up and major renovation financing.
Contact CLS CRE for a free, no-obligation quote on construction loans. We respond within 24 hours.
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