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Commercial Banking

Construction Finance That Keeps Projects Moving

From ground-up development to major renovation, we provide reliable construction lending backed by local expertise and responsive service.

Commercial Banking

A Construction Lender That Understands the Business

Construction lending requires specialized expertise that most banks simply don't have. Our construction finance team has funded hundreds of development projects — from single-family subdivisions to multi-story mixed-use developments — and understands the realities of construction timelines, cost overruns, and market cycles. We structure loans that give developers the flexibility they need while managing risk prudently.

Key Benefits

Only what you need. Nothing you don't.

Ground-Up Construction Loans

Finance new commercial, multifamily, industrial, or residential development projects from lot acquisition through completion.

Mini-Perm & Construction-to-Permanent

Structure your construction loan to roll into a permanent mortgage at completion — eliminating the need for a separate take-out refinance.

Renovation & Adaptive Reuse

Significant renovation projects and adaptive reuse conversions financed with construction-style draw structures.

Responsive Draw Management

Our in-house draw inspection and management team processes draw requests within 3 business days to keep your project on schedule.

Experienced Credit Team

Our construction credit analysts have reviewed thousands of projects. Realistic underwriting based on market conditions, not just pro forma projections.

Bridge Financing Available

Need short-term bridge capital to position a project for permanent financing? Our bridge loan program provides flexible, fast capital.

FAQ

Frequently Asked Questions

We finance residential (single-family, townhome, condo), multifamily (apartment buildings, mixed-use residential), commercial (office, retail, industrial), and hospitality projects. We evaluate each project individually based on market, sponsor experience, and underwriting metrics.
Draws are processed based on completed work certified by the borrower and confirmed by our construction monitoring team. Draws are typically reviewed and approved within 3 business days. We use a third-party inspection service for projects over $2M.
We typically require 10–25% equity contribution from the sponsor, a completion guarantee, experience with similar projects, strong pre-leasing or pre-sales (for speculative projects), and a detailed project budget and schedule.