Construction Loans
Whatever your construction financing needs may be, our team at KEYZ Capital is made up of some of the top lending experts in the country, ready to help you secure the best funding solutions tailored to your project.
What are Construction Loans?
Construction loans provide short-term financing for builders, developers, and business owners who need capital to construct, renovate, or expand commercial or residential properties. These loans offer flexible disbursement schedules, interest-only payment options, and structured financing to meet the needs of construction projects
The Benefits of Construction Loans
Construction financing provides structured, short-term funding to help developers and business owners complete their projects efficiently.
Flexible Payment Structure
Have a flexible payment structure where borrowers make interest-only payments during the construction phase, allowing for better cash flow management compared to fixed monthly payments in traditional mortgage loans.
Draw Schedule
Utilizes a draw schedule to release funds at different stages of the project based on completion milestones, with inspections conducted by the lender to ensure progress before each release.
Short-Term and Variable Interest Rates
Construction loans are short-term loans with variable interest rates that can last from months to a few years, allowing for adjustments to market conditions during the extended construction phase.
Construction-to-Permanent Option
Construction loans with a construction-to-permanent option enable borrowers to smoothly transition from the construction phase to permanent financing by converting the loan without the need for a separate mortgage application, saving time and effort.
Financing for Building or Renovating
Offers the essential funding needed to turn construction plans into reality, whether it involves building a new property or making significant renovations and improvements to an existing property.
Customized Loan Terms
Provide borrowers with flexibility in customizing loan terms, repayment options, interest rates, and draw schedules to suit their unique project requirements and financial circumstances.
Efficient Cash Flow Management
Enables borrowers to manage cash flow effectively during the construction phase by making interest-only payments on the drawn funds, reducing the financial burden of full principal and interest payments until the project is completed.
Streamlined Transition to Permanent Financing
Construction loans with a construction-to-permanent option simplify the transition to a long-term mortgage by eliminating the need for a separate application process, saving borrowers time and effort while ensuring a seamless shift from the construction phase to permanent financing.
Types of Construction Loans
1. Commercial Construction Loans
Designed for businesses and developers building office spaces, retail centers, warehouses, and other commercial properties.
Loan amounts up to $50 million
Draw schedule based on project milestones
Interest-only payments during the construction period
2. Residential Construction Loans
Provides funding for home builders, developers, and individuals constructing residential properties.
Covers single-family and multi-unit housing
Can be converted into a long-term mortgage
Short-term repayment terms ranging from 6 to 24 months
3. Construction-to-Permanent Loans
A hybrid loan that funds construction and automatically converts into a long-term mortgage once the project is completed.
Streamlined financing without the need for refinancing
Fixed or variable interest rates available
Ideal for owner-occupied commercial or residential properties
4. Land Development Loans
Provides capital for purchasing and preparing land for commercial or residential development.
Covers site preparation, permits, and infrastructure costs
Higher loan-to-value (LTV) ratios available
Short-term loan designed to transition into construction financing
5. Fix-and-Flip Construction Loans
For real estate investors looking to purchase, renovate, and resell properties for profit.
Fast approvals and funding
Short repayment periods of 6 to 18 months
Financing for both purchase and renovation costs
Build with Confidence Using the Right Financing
Access the funding you need to construct, renovate, or expand your property with flexible terms, fast approvals, and expert guidance. Whether you need capital for commercial, residential, or mixed-use construction, our team at KEYZ Capital is here to help.
🔹 Fast Prequalification 🔹 Expert Loan Guidance 🔹 Top Lender Network
Frequently Asked Questions About Construction Loans
Here are some of the most common questions about construction financing.
Ground-up construction of commercial or residential properties
Major renovations or property improvements
Land acquisition and site development
Covering labor, material, and permit costs
Converting construction financing into permanent loans
Loan amounts range from $50,000 to $50 million, depending on the project scope and lender requirements.
Interest rates vary but typically range from 6% to 12%, depending on creditworthiness and loan type.
Yes, most construction loans require collateral, typically in the form of the property being developed or additional business assets.
Construction loans typically take 2 to 6 weeks for approval and funding.
Most lenders require a minimum credit score of 650, but higher scores may secure better terms.
Yes! Many construction loans cover major renovations, expansions, and property upgrades.
Repayment terms typically range from 6 months to 3 years, with interest-only payments during the construction phase.
Yes, many borrowers transition their construction loan into a long-term mortgage or commercial financing upon project completion.
We provide tailored financing solutions, expert guidance, and access to top lenders to ensure your project secures the best funding options.
Why Work with KEYZ Capital?
At KEYZ Capital, we specialize in construction financing for developers, builders, and business owners. Our team has extensive experience navigating the lending process, ensuring you get the best terms with minimal hassle.
1
Fast Prequalification & Expert Guidance
We simplify the construction loan application process to help you secure funding quickly.
2
Access to Top Lenders
We connect you with a network of trusted lenders offering competitive terms.
3
Tailored Financing Solutions
We structure loans to fit your unique project needs and long-term success.
Loan Types & Products
Business Acquisition
Acquiring a competitor? Buying our a partner? Scaling your empire? We can help.
Working Capital
The quickest way to kill a business is to run out of cash. Let’s talk working capital to keep you alive and thrive.
Equipment Financing
Need any type of business equipment or machinery to operate your business. We can likely help finance it.