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Matrix: Construction Lenders
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Gamma Real Estate
250M 85 85LIBOR36YYY Y Y YYYYYYYY Y
Private Lender NATIONWIDE Commercial real estate construction lending since 1970.
Ignite Funding LLC
5M 80 70 18YY YYYYY Y Y
Private Lender AZ CO NM NV OR TX UT WA W Y Asset-based lender offering 1st trust deeds on commercial and residential. Fast closings. Rates from 10%. Short-term loans and refi. No prepay penalties, interest reserve OK.
Kennedy Funding Financial
50M 60 36YYY YY YYYYY Y
Direct Lender NATIONWIDE Kennedy Funding Financial is a real estate secured lender with loans starting at $1M.
London Financial Co. LLC
15M 95 70 36YY YYYY YYYY Y Y
Direct Lender FL South FL only. Specializing in construction loans for luxury single & multifamily homebuilders. Must be investment property. Rates 12-14%; 1-3 yr. term; 1-2% origination fee.
Pacific Premier Bank
10M 80 75 WSJP 18 Y Y Y Y Y Y Y
Bank CA Southern California only. Tim Cody, SVP Construction Manager NMLS No. 463106. Portfolio residential and commercial construction and bridge lender.
2M 75 75 Y Y Y Y
Bank CA Dale Reed, VP Construction Manager NMLS No. 1168394: (951) 205-5366/ email@example.com. See directory for a listing of loan officers or call 866-781-1142. California only.
Pyatt Broadmark Management LLC
18M 65 18 Y YYYY Y
Direct Lender AZ CO ID OR UT WA W Y Direct lender for new construction, development and bridge lending in 1st position DOT.
Roc Capital Holdings
10M 100 75 24YY Y YY YY Y
Private Lender NATIONWIDE except: AZ CA NV Roc Capital offers up to 100% of project costs, standardized terms and long term financing facilities for developers of build-to-suit construction projects.
30M 80 70 18YY YYYYYYY Y
Private Lender NATIONWIDE except: AK HI Direct lender, 1-3 year terms, brokers protected, creative and solution oriented. Not credit driven. Quick closings available.
Seattle Funding Group Ltd.
12M 75 65 18YY Y Y YYYY Y
Direct Lender AK AZ CA CO HI ID NV OR TX UT WA For California properties, contact the San Diego office at 858-751-0556. For Arizona properties, contact the Scottsdale office at 480-455-5047.
Sundance Debt Partners
10M 85 75 18YY Y YY YYYY Y
Direct Lender AZ CA CO FL IA ID IL IN KS K Y MI MN MO MS M T NE NM NV OR TN TX UT WA WI W Y Private real estate lender. Broker friendly. LTV: up to 75%. LTC: up to 90%. Loan types: construction, bridge, value-add, refinance & notes. Terms: 3-24 months. No exit fees.
maximum loan size
may not apply to all
property types and/
or in all regions and
is subject to change
Construction lenders provide loans for
new construction, rehabilitation, renovation
and permanent financing of income-producing
properties. This matrix assumes the lender
offers both new construction and rehab/
1 Index used: LIBOR, WSJ, T-bills, COPI
2 Construction or rehab only,
max. term in months
3 Lending to Corp., LLC,
LP, legal entities
4 Interest-only offered
5 Floating rates offered
6 Prepayment penalty;
exit fee required
7 Line of credit style
8 Mini-perm available
9 Conversion to permanent offered
10 Permanent loan commitment
required prior to closing
11 Gap funding allowed
12 Subordinate financing allowed
13 Participating financing offered
14 Recourse required
15 Land acquisition and
16 Construction take-out
17 Construction completion
18 Non-owner-occupied residential
19 Owner-occupied residential
20 Agency lending programs:
HUD, SBA, USDA, FNMA
21 Private money
LOAN TYPE / PURPOSE / PARAMETERS LOAN LIMITS
LENDERNAME Min Max Max LTC% Max LTV% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
LTV% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21
Companies bearing the Proven Direct Lender designation have undergone a reasonable verification process to confirm the lender’s direct-lending capabilities. Scotsman Guide Media does not assume any obligation or liability for this designation. The inclusion of the Proven Direct
Lender designation is a paid advertisement and should not be construed as a recommendation or endorsement by Scotsman Guide Media.
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Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production cycle and dynamic nature of the industry, loan product
terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program details. If you believe data is inaccurate or misrepresented, please e-mail: firstname.lastname@example.org.