Commercial Construction Loans
Estates of Elysium Capital connects commercial developers with flexible, fast-moving construction capital across a range of asset classes. Whether you’re building multifamily, industrial, hospitality, or retail, our capital advisory team structures solutions that align with your project scope, timeline, and exit strategy—so you can build with confidence and scale without delay.
About Commercial Construction Loans
We simplify commercial construction financing so you can focus on building. With flexible loan structures, milestone-based funding, and fast-moving capital partners, our solutions are designed for today’s ground-up and redevelopment projects. From site acquisition to certificate of occupancy, our team works closely with you to keep your timeline—and your return metrics—on track.
Efficient:
Our partners offer fast, draw-friendly capital with minimal friction—ideal for developers who move fast.
Competitive:
We offer market-based pricing, low fees, and predictable terms—no hidden costs, sudden rate spikes, or unnecessary red tape.
Flexible:
Whether you're developing to lease, sell, or operate, we offer solutions like staged funding, interest-only periods, and capital structures that scale with your commercial pipeline.
Key Terms and Considerations:
Estates of Elysium connects commercial developers with flexible, fast-moving construction capital across a range of asset classes. Whether you’re building multifamily, industrial, hospitality, or retail, our capital advisory team structures solutions that align with your project scope, timeline, and exit strategy—so you can build with confidence and scale without delay.
Draw Schedule
Funds are disbursed in stages as your project meets construction milestones. Our partners manage the draw process directly, with efficient inspections and release protocols designed to keep your project moving without unnecessary bottlenecks.Interest-Only Payments
During the construction phase, payments are typically interest-only on the disbursed balance. This structure helps preserve liquidity and improve cash flow while your project is still underway.Construction-to-Permanent Options
We offer both construction-only loans and construction-to-permanent structures. For long-term holds, our team helps structure capital that transitions into permanent financing post-completion and stabilization.
Rates & Terms
Flexible commercial construction loans tailored to your project
We evaluate both the value of the deal and the strength of the sponsor to deliver capital that supports real execution—fast, structured, and aligned with your development strategy.
Features and Details
Interest rates: Starting at 6.00%* (fixed or floating options available)
Loan amounts: $500,000 – $1B
Loan-to-cost (LTC): Up to 85% of total project costs
After-repair value (ARV): Up to 75% for repositioning or adaptive reuse
Term lengths: 12 to 36 months (extensions available)
Payment structure: Interest-only during construction
Down payment: Typically 10% to 40% equity required
Fees: Origination, underwriting, inspection, and fund control (disclosed upfront)
Draw process: Managed by lending partners with fast, milestone-based disbursements
Eligible Property Types
Ground-up multifamily
Retail and mixed-use developments
Hospitality (limited service, boutique, extended stay)
Industrial, warehouse, and logistics
Medical, dental, and specialty-use properties
Technology
Streamline your development strategy with data-driven financing
At Estates of Elysium, we leverage advanced technology and insights from thousands of real estate projects to deliver fast, accurate, and tailored pricing. Our systems are built to move at the speed of your vision—so you can secure funding, manage progress, and scale smarter.
Fast Closings
With a streamlined process and underwriting built around real-world performance metrics, you can move forward with confidence and close without unnecessary delays.
Tech-Driven Insights
Modern lending platform that uses market data, property analytics, and rental performance to deliver customized loan terms—not cookie-cutter quotes.
Digital Integration
From application to closing, everything happens online. Upload documents, track your loan status, and get real-time updates without the back-and-forth.
Financing That Fits
Our approach combines speed with accuracy, providing flexible capital solutions designed to keep your commercial development on schedule and competitive.
Frequently Asked Questions
Answers to Your Commercial New Construction Loan Questions
Q. What makes Estates of Elysium’s commercial construction loans stand out?
A. We help commercial developers access fast, strategic capital without the friction of traditional lending. Our partners’ underwriting process is streamlined, our draw process is responsive, and we eliminate common bottlenecks—like prepayment penalties and rigid timelines. We also align funding structures with your permitting, entitlement, and phasing timelines to keep complex builds moving.
Q. How does your financing support lease-up or stabilization strategies for commercial projects?
A. We structure financing to support your project from construction through stabilization. With interest-only payments, flexible terms, and extensions aligned with your leasing milestones, you can complete the build, reach target occupancy, and maximize value before exiting or refinancing.
Q. What loan terms do you offer for commercial projects?
A. Our commercial construction financing supports everything from pre-leased build-to-suit deals to speculative construction and long-term holds. We offer flexible loan terms, interest-only periods, and custom draw schedules aligned with your project’s phasing, lease-up strategy, or disposition plan. Whether you plan to refinance, sell at delivery, or operate the asset, we build the capital stack to fit your end game.
Q. How do you determine loan amounts?
A. We take a comprehensive approach to loan sizing. Our underwriting considers land value, location, zoning, project scope, comps, and feasibility—alongside your track record and financial strength. We prioritize experienced developers with clear, executable plans, and structure loans that balance risk with upside potential.
Q. What types of commercial construction projects do you finance?
A. We fund a wide variety of ground-up commercial developments, including:
Multifamily buildings
Retail centers and mixed-use properties
Hospitality and boutique hotels
Industrial and flex space
Medical and specialty-use facilities
Whether your strategy is to lease, reposition, or sell, our capital supports your project from foundation to finish.
Q. How do your systems and tools support my commercial timeline?
A. Our tech-enabled platform keeps your project on track. From digital submissions and real-time draw tracking to transparent reporting and fast communication, we help you stay focused on execution—not paperwork. You stay in control, and your project stays on schedule.
Resources
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Overcoming Land Acquisition Challenges in Commercial Construction: Strategies for 2025
Rising land costs, zoning hurdles, and limited availability make site acquisition tougher than ever for commercial developers. This article covers key challenges and practical strategies to secure land efficiently and keep your projects moving in 2025.
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Understanding Market Dynamics: Performing vs. Underperforming Commercial Assets in 2025
Delve into the factors distinguishing high-performing commercial assets from underperforming ones. Analyze market trends, tenant preferences, and economic indicators to make informed investment decisions in commercial construction.
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Strategies for Successful Commercial Construction Projects in 2025
Gain insights into effective strategies for managing commercial construction projects this year. Topics include optimizing project timelines, managing costs amidst economic uncertainties, and leveraging technology for efficiency.
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Navigating the 2025 Commercial Construction Landscape: Opportunities and Challenges
Explore the evolving commercial real estate market in 2025, highlighting sectors experiencing growth and those facing challenges. Learn about the impact of interest rates, urbanization trends, and shifting tenant demands on construction projects.