Construction Loan
Where Professionalism Builds Trust
Construction Loan offered Nationwide
A nationwide construction loan is a short-term real estate financing solution used to fund or renovate residential and commercial construction projects.
These are the different types of construction loans we offer:
- Standalone Construction Loan: These types of loans are typically for 1 year and are ideal for the construction phase only, making them perfect for home builders, real estate developers, and general contractors seeking short-term construction financing.
- Construction to Permanent Loan: This loan begins with the construction of your property and then seamlessly converts into a permanent mortgage, offering a streamlined solution for ground-up development and custom home construction.
We understand that each real estate development project and client has unique needs. Therefore, we customize our construction loan programs based on your specific conditions and requirements to ensure the best possible fit for your commercial or residential construction goals.
Loan Program Highlights
Minor to major renovations or brand-new construction
Based on property value, not personal income.
Interest reserves available through project completion.
Private money loans available for early-stage or mid-construction projects.
For the recapitalization of your finished product.
Short-term 6-to-12-month bridge loan financing available.
Types of Properties Eligible for Construction Loans
Main-in-Line Properties:
Multifamily, Track/Sub-Division Housing, Senior Housing, Office, Mixed-Use, Retail, Medical Office, Warehouse, Self-Storage, Light Industrial, Strip Centers, Large Shopping Centers
Special Purpose Properties:
Hotels/Motels, Automotive, Gas Stations, Churches, Convenience Stores, Restaurants, Daycare Centers, Assisted-Living Facilities, Dry Cleaners
Benefits of the Loan Program
We are not a traditional bank offering only one or two construction loan products. RGC Capital Inc has partnered with multiple specialty commercial construction lenders across the country to provide a wide range of nationwide construction financing solutions. This allows us to offer flexible options tailored to meet the unique needs of real estate developers, home builders, and general contractors.
Whether you’re building multifamily housing, mixed-use developments, or special-purpose properties like hotels, restaurants, or medical offices, our loan programs are designed to support your vision from start to finish.
Loan Terms and Programs
- Flexible loan terms: 6, 12, or up to 24 months
- Loan amounts ranging from $1,000,000 to $50,000,000
- Ideal for ground-up construction, major renovations, and recapitalization of completed projects
- Available for commercial real estate, residential subdivisions, and specialty-use properties
Target Clientele for this Loan Program
We serve home builders, real estate developers, and general contractors seeking to build or expand residential or commercial real estate projects. Whether you’re constructing new homes from the ground up or enhancing existing properties, RGC Capital is your trusted partner for private construction financing.
Documents required for the Loan Program Application
1. Sign RGC Capital loan proposal (LOI)
2. Loan application (click here for the business purpose application)
3. Credit report within 30 days of guarantor
4. Digital color photos of the subject property
5. Copy of city permits and all city approvals
6. Itemized breakdown of the dedicated funds already invested into the project
7. Itemized cost breakdown for the proposed project on the contractor’s letterhead
8. A copy of the current contractor’s license from the builder
9. Detailed explanation of exit strategy for repayment
10. The last 2 months of bank statements
11. Architectural renderings and or designs (auto cad format).
12. Final settlement statement of purchase
13. All entity documents and resolutions
14. Copy of most recent mortgage statements
15. Resume supporting experience
