Construction Loans

Build Today. Finance With Confidence.

Flexible financing solutions for ground-up construction, major renovations, redevelopment and future take-out.

1st Coastal Commercial Capital connects developers, owners and sponsors with construction lenders and capital sources nationwide. We help you secure the right financing to bring your vision to life.

Let's Discuss Your Project

Fund Each Phase

Access funds as the project progresses.

Manage Cash Flow

Interest-only during construction helps preserve working capital.

Flexible Structures

Custom terms to fit your project and exit strategy.

Bridge to Permanent

Transition to long-term financing upon stabilization or completion.

Why Consider Construction Financing?

Flexible Underwriting

We look at the entire project, sponsor strength, and exit strategy — not just the box.

Speed & Certainty

Fast decisions and closings to keep your project moving forward.

Higher Leverage Options

Significant leverage available based on project feasibility and sponsor experience.

Interest-Only Payments

Interest-only during construction with payments on funded amounts.

Funds As You Build

Draws based on completion of work and lender inspections.

Nationwide Lending

Access to a broad network of construction lenders and capital partners.

The Construction Financing Process

1

Submit
Your Project

We review your project details, plans, budget and timeline.

2

Underwrite
the Deal

Lender evaluates the project, sponsor, and exit strategy.

3

Close & Fund

Loan closes and initial funds are advanced for construction to begin.

4

Draw Funds

Funds are disbursed in draws as work progresses and conditions are met.

5

Complete &
Take Out

Project is completed and transitioned to permanent financing or sale.

Typical Construction Loan Uses

Construction Loan Structure & Terms

Loan Amount

$250,000 to
$250,000,000+

Loan Term

Typically 12 – 36 Months
(May vary by project)

LTC / LTV

Up to 80%+ of
Total Project Cost*

Interest Rate

Competitive Rates Subject to Market and Project

Payments

Interest-Only During Construction on Funded Amounts

Prepayment

Based by Lender, Complexity and Lender

*Leverage and terms are subject to project feasibility, sponsor experience, collateral and lender requirements.

Conventional Bank vs. Construction Lender vs. Debt Fund

Conventional Bank

Best for Stabilized Projects

Construction Lender

Best for Most Ground-Up Projects

Debt Fund

Best for Complex / Transitional Deals

Submit Your Deal

Give us the basics and we’ll evaluate your project against our network of construction lenders, debt funds and private capital sources.

Why Borrowers & Developers Choose 1st Coastal

Access to 5,000+
Lenders & Capital Sources

Decades of CRE
Finance Experience

Tailored Solutions
for Your Project

Nationwide Reach
Local Attention

From Start to Finish
We're with You All the Way

Ready to Build?

Direct Line

Nationwide

We Finance Nationwide