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Commercial real estate
Commercial Construction Loans
Structured financing for business owners building or renovating facilities for their own operations.
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20–30%
Equity Required
6–18 Months
Construction Term
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6.0–8.5%
Typical Rate Range
70–80%
Max LTC
FINANCING OPTIONS
Construction Financing Options
Key features of traditional commercial real estate financing for income-producing properties.
6.0–8.5% rate range
70–80% LTC
6–18 month construction term
BEST FOR:
Best for medical offices, professional offices, warehouses, and light industrial facilities.
6.25–8.0% rate range
75-85% LTC
12-24 month construction term
BEST FOR:
Value-add projects, building repositioning, adaptive reuse
6.0–7.5% rate range
80–85% LTC
6–18 month construction term
BEST FOR:
Tenant improvements, cosmetic updates, equipment installation.
6.5–10.5% rate range
85-90% LTC
12-36 month construction term
BEST FOR:
Small businesses, medical/dental offices, veterinary clinics, owner-occupied facilities
DRAW PROCESS
How Draw Schedules Work
Construction funds are released in stages as the project progresses.
10
Pre-Construction
Trigger: Loan closing, permits in place
Typical Uses:
Mobilization, permits, insurance, initial materials
15%
Foundation Complete
Trigger: Foundation poured and inspected
Typical Uses:
Labor, materials, equipment
20
Framing Complete
Trigger: Structural framing finished
Typical Uses:
Framing materials, labor, roofing
20
Rough-In Complete
Trigger: Mechanical, electrical, plumbing rough-in
Typical Uses:
HVAC, electrical, plumbing systems
15
Drywall & Exterior
Trigger: Drywall hung, exterior complete
Typical Uses:
Drywall, exterior finishing, windows
15
Final Finishes
Trigger: Interior finishes, fixtures installed
Typical Uses:
Flooring, fixtures, cabinets, paint
5
Project Completion
Trigger: Certificate of Occupancy received
Typical Uses:
Final inspections, punch list, cleanup
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Important Draw Rules:
An inspector must approve each draw before funds are released, which typically takes 3–7 days. A 5–10% retainage is held back until final completion. Lien waivers are required from all contractors and suppliers, and phases cannot be skipped — each must be completed in order.
HOW IT WORKS
How to Get Revenue-Based Financing
From application to funding in 4 simple steps. Most businesses get funded within 1-2 weeks.
Pre-Qualification & Planning
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Key Tasks:
Discuss project scope with lender
Get preliminary approval
Hire architect/engineer
Develop preliminary budget
CRITICAL POINT
Start early - involve lender BEFORE spending on plans
Design & Bidding
Key Tasks:
Complete construction drawings
Obtain contractor bids (3+ required)
Finalize project budget
Site surveys and studies
CRITICAL POINT
Get multiple bids - single bid may not be accepted
Permitting & Due Diligence
Key Tasks:
Apply for building permits
Environmental Phase I
Appraisal (as-completed value)
Title work and survey
CRITICAL POINT
Longest phase - budget 8-12 weeks minimum
Loan Closing
Key Tasks:
Final loan documents
Establish escrow account
Wire down payment
Contractor agreements executed
CRITICAL POINT
Cannot close until ALL permits received
Construction Phase
Key Tasks:
Monthly draw inspections
Progress payments to contractor
Change order approvals
Compliance monitoring
CRITICAL POINT
Inspector must approve each draw before funds released
Completion & Conversion
Key Tasks:
Final inspection
Certificate of Occupancy
Convert to permanent loan
Final draw release
CRITICAL POINT
Must convert to permanent financing within 60-90 days
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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