Whether you’re building multi-unit residential complexes, office buildings, or commercial properties, having access to construction business loans can make or break your project. But traditional lending doesn’t always work for the unique needs of the construction industry. That’s where we come in.
At Fundmate, we focus on funding your business’s growth with speed, flexibility, and precision — no red tape, no waiting months for approval. Ready to break ground? Let’s dig in.
Commercial real estate projects require significant upfront capital for land acquisition, permits, materials, and labor. Without immediate access to funds, projects can experience delays, increasing costs and risks.
In the construction industry, payments are often delayed or contingent on milestone completion. Small business construction loans can help bridge cash flow gaps and keep the project moving forward.
Construction projects are notorious for unexpected expenses. From rising material costs to labor shortages, having extra funding in your back pocket can help you manage these bumps in the road.
If you’re a construction company looking to expand, commercial real estate construction loans can help you scale your operations, invest in new equipment, hire additional staff, and take on larger projects.
A commercial real estate construction loan is a type of short-term financing that provides the funds necessary to build a commercial property. The loan is typically disbursed in stages based on project milestones, and once construction is completed, it is either refinanced into a long-term mortgage or paid off using the income generated from the property.
These loans are specifically designed to cater to the unique needs of the construction industry, providing funds for:
Unlike traditional loans, commercial real estate construction loans are typically repaid in installments, with the final payment occurring once the project is completed and the property is generating income.
These loans are designed for large-scale commercial projects such as office buildings, shopping centers, and mixed-use developments. The funds are generally disbursed in stages based on project milestones, with repayment occurring once the building is sold or rented.
If you're running a small construction company, you may be eligible for small business construction loans. These loans are designed for contractors, developers, and builders working on smaller-scale projects or for business owners looking to grow their operations.
If you're operating a construction company that’s already established, a business loan for construction companies can be used for a variety of needs, such as expanding your workforce, investing in new technology, or purchasing additional equipment to take on more jobs.
This type of loan provides working capital for construction businesses to manage day-to-day operations. Use it to purchase materials, pay employees, or cover overhead costs while you’re in between projects.
Time is money in construction. Waiting weeks or even months for financing can cause significant delays. At Fundmate, we understand the urgency, which is why we approve loans within 48 hours. With no unnecessary paperwork or long waits, we give you the capital you need to keep your project on track.
We know that every construction project is unique. That's why we offer customizable loan terms to meet your specific needs. Whether you need short-term funding to cover immediate costs or long-term financing for larger, more complex projects, Fundmate tailors loan packages to fit.
Traditional banks can often bog you down with bureaucratic red tape. At Fundmate, we focus on simple, transparent processes. We understand your business model and work with you to offer loan terms that make sense for your project’s size, timeline, and financial goals.
We specialize in providing financing solutions for the construction industry. Our team understands the nuances of construction financing, from managing cash flow to factoring in unexpected costs. You’ll be working with experts who know the ins and outs of your business.
Unlike many traditional lenders, we don’t require you to risk your personal assets. Our loans are based on your company’s revenue and project needs, not your personal credit score or assets.
While traditional loans may seem like a viable option, commercial real estate construction loans offer key advantages that can make all the difference in your project’s success:
Traditional Loans | Commercial Real Estate Construction Loans |
Longer approval times | Quick approval in as little as 48 hours |
Requires personal assets as collateral | No personal assets required |
Fixed interest rates | Flexible interest rates based on project terms |
Often don’t cover all construction costs | Covers everything from materials to labor |
Before you apply for a construction business loan, here are a few key factors to consider:
Be prepared to outline the scope of your project, including detailed plans, timelines, and cost estimates. The more comprehensive your application, the better your chances of approval.
Lenders will look at your business’s financial health, including revenue, cash flow, and your company’s credit history. If you’ve been in business for several years and have a solid track record, you’ll be in a good position to secure financing.
For many lenders, collateral is an important factor in securing a loan. However, at Fundmate, we often offer loans without requiring personal guarantees or heavy collateral, making the process smoother and less risky for you.
Ensure that the loan repayment terms align with your construction timeline. For example, if your project will take two years to complete, you might need flexible terms that allow you to make smaller payments during the construction phase and larger payments once the property is rented or sold.
Yes, we can help you secure an SBA loan for construction, depending on your needs and eligibility.
