From ground-up builds to major renovations, construction financing is disbursed in stages tied to real progress — structured around your draw schedule, not a single lump-sum risk.
How It Works
Your construction financing journey, simplified
01
Apply online
Tell us about your business and your financing needs — takes about 3 minutes.
02
Team review
A commercial financing specialist reviews your file and explores your options.
03
Options & match
We match you with the best lenders and structures for your exact situation.
04
Approval & next steps
Get approved and move forward with confidence, guided the whole way.
What You'll Need
Documents to have ready
Exact requirements vary by lender and file — your commercial specialist will confirm the full list once we know your situation.
Common Questions
Construction Financing FAQ
How does construction financing get disbursed?
In stages ("draws") tied to construction milestones, verified by inspections, rather than as one lump sum upfront.
What do I need before applying?
Approved plans/permits, a realistic budget, and a builder or general contractor already lined up.
Can construction financing convert into permanent financing?
Often, yes — many lenders offer construction-to-permanent structures that convert once the build is complete.
What if my project goes over budget?
We'll structure realistic contingency into the draw schedule upfront — cost overruns are one of the most common reasons projects stall, so this gets planned for carefully.
General information only — your specific numbers depend on your file. A commercial financing specialist will confirm exact details for your situation.
Get Started
Request commercial financing
Welcome
Let's scope out your financing
A few quick questions about your business and the property, then a commercial financing specialist will follow up personally — no obligation.
Equity Mortgage Solutions is not a bank — rates, terms, and lender fit vary by file. Submitting this form is not a guarantee of approval or financing.
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