Ground-up construction and major renovation financing with interest reserves, flexible draw schedules, and completion guaranties. We fund what banks won't touch.
Construction loans are disbursed in draws tied to project milestones — not in a lump sum. Each draw is verified by an independent inspector before funds are released. This protects both the borrower and lender throughout the build cycle.
Fintek Capital structures construction loans with interest reserves that cover projected draw periods, protecting developers when delays occur — and in commercial construction, delays almost always occur.
Key Features
12–18 month interest reserves built into the loan structure. Developers don't make payments out-of-pocket during construction — the reserve covers it.
Milestone-based draws tied to verified project completion. We work with your construction timeline, not a rigid bank schedule.
Conservative underwriting includes contingency reserves for material cost inflation, labor shortages, and weather delays.
Sponsor or contractor completion guaranties provide additional protection and may allow for higher LTC on qualified projects.
We finance both ground-up new construction and major renovation/repositioning projects across all commercial asset classes.
Extended loan terms available to allow stabilization period after construction completion before transitioning to permanent financing.
Eligible Properties
| Asset Class | Max LTC | Rate Range | Typical Term |
|---|---|---|---|
| Multifamily | 70% | 9.0–11.0% | 18–30 mo |
| Industrial | 70% | 9.0–11.0% | 18–30 mo |
| Office | 65% | 9.5–11.5% | 18–30 mo |
| Retail | 65% | 9.5–12.0% | 18–36 mo |
| Hotel / Hospitality | 65% | 10.0–12.0% | 24–36 mo |
Submit your project details — no credit pull, no commitment required.