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Industry Financing

Real Estate Development Loans

Financing solutions for real estate developers and development projects.

Real estate development loans help developers finance land acquisition, construction, and development costs. Common uses: land purchase, construction costs, permits and approvals, infrastructure, and working capital. Loan types: SBA loans (6-13% APR, up to $5M) for real estate, construction loans, bridge loans, term loans ($100k-$2M+), and DSCR loans for investment properties. Approval in 1-4 weeks for SBA, 24-72 hours for alternative lenders. Requirements: 2+ years in business (for SBA), 650+ credit, strong financials, project plans. Real estate development requires significant capital and project experience.

Common Financing Needs

Land & Acquisition

  • • Land purchase
  • • Property acquisition
  • • Site preparation

Explore SBA loans.

Construction & Development

  • • Construction costs
  • • Materials and labor
  • • Infrastructure
  • • Permits and approvals

Bridge Financing

  • • Short-term financing
  • • Project completion
  • • Refinancing

Learn about bridge loans.

Working Capital

  • • Project expenses
  • • Operating costs
  • • Cash flow management

Best Loan Types for Real Estate Development

1. SBA Loans

Best for: Real estate purchase, land acquisition, and large projects.

  • • Rates: 6-13% APR (lowest)
  • • Terms: 5-25 years
  • • Amounts: Up to $5M
  • • Requires 2+ years in business

Learn more about SBA loans →

2. DSCR Loans

Best for: Investment property development and rental properties.

  • • Based on property income
  • • Rates: 7-12% APR
  • • Terms: 5-30 years
  • • Amounts: $100k-$5M+

Learn more about real estate lending →

3. Bridge Loans

Best for: Short-term financing during development.

  • • Rates: 8-15% APR
  • • Terms: 6-24 months
  • • Amounts: $100k-$5M+
  • • Fast approval

Learn more about bridge loans →

4. Term Loans

Best for: Construction costs and development expenses.

  • • Rates: 8-25% APR
  • • Terms: 1-5 years
  • • Amounts: $100k-$2M+
  • • Fixed monthly payments

Learn more about term loans →

Industry-Specific Challenges

High Capital Requirements

Real estate development requires significant capital. SBA loans offer best rates and terms for large investments. May need multiple financing sources.

Project Timeline

Development projects take months or years. Bridge loans provide short-term financing, then refinance with permanent loans upon completion.

Risk Management

Lenders assess project feasibility, market conditions, and developer experience. Strong project plans and experience improve approval odds.

Qualification Requirements

  • Time in Business: 2+ years (for SBA), 6+ months (for alternative)
  • Credit Score: 650+ (for SBA), 600+ (for alternative)
  • Project Plans: Detailed project plans and feasibility
  • Experience: Development experience improves approval odds

Learn more about how to qualify for a business loan.

Frequently Asked Questions

Can I finance land purchase?

Yes, SBA loans are best for land purchase. Offer lowest rates (6-13% APR) and longest terms (5-25 years). Require 2+ years in business and strong financials. Land serves as collateral.

What's the difference between construction and development loans?

Construction loans fund building costs during construction. Development loans fund entire project including land, permits, and construction. Both may convert to permanent financing upon completion.

Can I use a bridge loan for development?

Yes, bridge loans provide short-term financing during development. Use to complete projects, then refinance with permanent loans. Learn about bridge loans.

Ready to Finance Your Development Project?

Apply now and get a decision in 24-72 hours. Fast approval for land, construction, and development costs.

Fast decisions • Clear terms • Real people