Ground Up Construction Financing in California
Building from the ground up requires specialized financing, and a lender network experienced with construction risk. At Commercial Capital Partners, we structure and source ground-up construction loans for commercial and owner-occupied projects throughout California, with a focus on the Inland Empire and Southern California markets.
SBA 7(a) Construction Loans
The SBA 7(a) loan program can be used to finance ground-up construction of owner-occupied commercial buildings. This includes the land acquisition, site work, hard construction costs, soft costs (architecture, engineering, permits), and working capital needed during the construction period. The loan transitions to a permanent loan upon project completion, providing a single, streamlined financing solution. Down payments are typically 10–15%, with permanent terms up to 25 years.
This program is well-suited for: gas station and car wash construction, medical and dental office construction, industrial and warehouse buildings, retail and mixed-use owner-occupied projects.
Conventional Construction Loans
Conventional construction-to-permanent loans are available for projects that may not qualify for SBA financing or exceed SBA loan limits. These programs are offered through our network of regional banks and private capital sources and can accommodate a wide range of project types and sizes. Construction draws are disbursed as work progresses, and the loan typically converts to permanent financing upon certificate of occupancy.
What We Finance
- Ground-up construction of owner-occupied commercial buildings
- New gas station and petroleum retail construction
- Industrial warehouse and manufacturing facility construction
- Medical office and healthcare facility construction
- Retail strip and mixed-use commercial construction
- Hotel and hospitality construction
Recent Construction Deals Closed
- $3,375,900 SBA 7(a). Ground-up construction of a gas station in Bakersfield, CA
- $2,750,000 conventional loan. Refinance of a hotel in West Covina, CA
The Construction Loan Process
Construction lending involves additional complexity compared to standard commercial real estate loans, including draw schedules, inspections, title updates, and contractor vetting. We work closely with borrowers, contractors, and lenders to keep projects on schedule and within budget. Our experience with construction transactions means we anticipate challenges before they become delays.
Start Your Construction Project
If you are planning a ground-up commercial construction project in California, contact Commercial Capital Partners early, before you break ground. Early financing planning allows you to structure your project correctly from the start. Call (909) 721-5915 or reach out online. We serve the Inland Empire, Bakersfield, Los Angeles, and all of Southern California.
