Commercial construction loans
Ground-up and renovation financing for Texas projects.
Construction loans fund the build-out of commercial properties, owner-occupied facilities, multifamily projects, and tenant improvements. Draws are released against verified progress, with construction-to-permanent options available so you transition seamlessly to long-term financing at completion.
What financing typically looks like.
Ranges are indicative. Final structure depends on your business profile, lender criteria, and current market conditions.
- Loan size
- $500K to $50M+
- Construction term
- 12 to 24 months
- Typical rate
- Prime + 1% to 4%
- Time to close
- 45 to 75 days
- Equity required
- 20% to 35%
- Funds released in draws as work is completed
- Construction-to-permanent options available
- Interest-only during construction phase
- SBA 504 eligible for owner-occupied builds
- Licensed general contractor and budget
- Permits and approved plans
- Borrower construction experience or experienced GC
- Take-out commitment for permanent financing (often)
Ideal use cases
Ground-up commercial construction, major renovations, owner-occupied build-to-suit, multifamily and mixed-use projects.
Common questions about construction loans.
What is a draw schedule?
A schedule that releases loan funds in stages tied to completed construction milestones, verified by inspection.
What is construction-to-permanent?
A single loan that converts from a construction loan to a long-term mortgage at completion, avoiding a second closing and rate-lock risk.
How much equity do I need?
Most commercial construction lenders require 20 to 35% borrower equity, in either cash or appraised land value.
Ready to apply?
Talk with a Texas-based TCS advisor. Free consultation, soft credit check only, response within 24 hours.
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