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.
100% of construction costs funded.
Up to 75% of land value or purchase price (60% if unpermitted).
Up to 70% Loan‑to‑ARV.
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
- Property count limits range from a minimum of one property to a maximum of ten properties.
- Standard loan terms are 12 months, with the option to extend up to 18 months at the lender’s discretion.
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
Submit Your Loan Scenario
Frequently Asked Questions (FAQs)
What is a construction loan?
A construction loan is a short-term financing solution used to fund ground-up construction, major renovations, or development projects for residential or commercial properties. These loans are designed to cover building costs during the construction phase.
Who are construction loans best suited for?
Construction loans are ideal for home builders, real estate developers, and general contractors building or renovating residential, commercial, or specialty-use properties.
What types of construction loans do you offer?
We offer standalone construction loans for the build phase only, as well as construction-to-permanent loans that convert into a long-term mortgage once construction is completed.
How long are construction loan terms?
Construction loan terms are flexible and typically range from 6 to 12 months, with options to extend up to 18 or 24 months depending on the project and lender approval.
How much can I borrow with a construction loan?
Loan amounts generally range from $1,000,000 to $50,000,000, depending on the project scope, property type, and borrower experience.
Are construction loans based on income or property value?
Construction loans are primarily based on property value, project feasibility, and experience rather than personal income, making them suitable for developers and builders with complex financials.
Can construction costs be fully funded?
Yes. Construction loans can fund up to 100% of construction costs, subject to loan-to-cost and loan-to-value guidelines. Land or purchase financing may be included based on structure.
What loan-to-value (LTV) levels are available?
Construction loans may offer up to 75% of land value or purchase price (60% if unpermitted) and up to 70% of the project’s After-Repair Value (ARV).
What types of properties qualify for construction loans?
Eligible properties include multifamily developments, subdivisions, senior housing, office, retail, mixed-use, medical office, warehouses, self-storage, hotels, restaurants, gas stations, churches, assisted-living facilities, and other specialty-use properties.
Are interest reserves available during construction?
Yes. Interest reserves can be structured into the loan, allowing payments to be covered throughout construction until project completion.
Can construction loans be customized?
Yes. We customize construction loan programs based on your project structure, phase, and exit strategy to ensure the best fit for your development goals.
What documents are required to apply for a construction loan?
Typical requirements include a signed loan proposal (LOI), loan application, recent credit report, construction budget and cost breakdown, permits and approvals, contractor license, architectural plans or renderings, bank statements, entity documents, resume or experience summary, and a detailed exit strategy.
