A commercial construction loan is a short-term financing solution used to fund the development of income-producing properties from the ground up. This includes land preparation, construction, contractor labor, permits, materials, and inspections—all supported through a structured draw schedule.

These loans are tailored for developers, investors, and builders who are ready to break ground and need financing that keeps pace with their construction timeline. Because the project itself acts as collateral, lenders focus on the viability of the development, the experience of the builder, and the projected value upon completion.