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Matrix: Construction Lenders
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Finance of America Commercial
10M 90 75 12YY Y Y YYYYY Y
Direct Lender NATIONWIDE except: AK ID ND RI SD UT V T Finance of America Commercial is dedicated to providing our clients with more buying power. Our financial strength and our experience give us the ability to deliver for you.
Gamma Real Estate
250M 85 85LIBOR36YYY Y Y YYYYYYYY Y
Private Lender NATIONWIDE Commercial real estate construction lending since 1970.
Holladay Bank & Trust
2.5M 80 80WSJ12YYY YY Y YYYY YYY
Bank UT Holladay Bank & Trust is a community bank specializing in commercial and construction lending since 1974.
INCA Capital LLC
15M 80 75 18YY Y Y YY Y
Direct Lender AZ CA CO NV UT INCA Capital is a direct, private-capital lender. All commercial property types and entitled land, lot development, finished lots and broken subdivisions.
Kennedy Funding Financial
50M 60 36YYY YY YYYYY Y
Direct Lender INTERNATIONAL 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.
2M 85 70 18YY Y YYYY YY Y
Private Lender DC DE FL GA MD NC PA SC VA We fund up to 50% of land value or purchase price and 100% of construction budget!
4M 80 75 WSJPrime 60 Y Y Y Y Y Y Y Y Y Y Y
Direct Lender NATIONWIDE except: AR AZ DC IL LA MN MS ND NE NH NM NV SD VT WI WV Common-sense underwriting, prompt approvals and quality service to provide your customer with a variety of loan programs. Call a loan officer today!
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 CO GA ID NC OR SC TN TX UT WA WY Direct lender for new construction, development and bridge lending in 1st position DOT.
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.
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
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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.