Commercial Construction Lending

Built for Your Business Vision.

Whether you’re building from the ground up or renovating, the process brings both challenges and opportunities. If you’re planning on expanding, developing, or sub-dividing, our commercial construction loans offer flexible terms and expert support to bring your vision to life.

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or call us at 877-487-2977

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Commercial Construction Loan Solutions

Our suite of commercial construction lending solutions supports a diverse range of projects—from owner-occupied facilities and investment properties to mixed-use developments, industrial sites, and retail spaces. We partner with builders, developers, and business owners to ensure projects are financed efficiently and completed successfully.

Our commercial construction loan offerings include:

Ground-Up Construction Financing

Flexible funding for new construction projects, customized to your scope and timeline.

Single Close Construction to Perm Loans

Simplify your financing with single close construction loans—a one-time approval process that covers both construction and permanent financing.

Subdivision Financing

Tailored solutions for residential subdivision developments, providing funding for land acquisition, infrastructure improvements, and phased construction.

Engineers sit and work on building design and system work.,construction work safety,construction business and real estate

Why Choose BankProv for Construction Finance?

With deep industry experience and a commitment to your success, BankProv is more than just a lender—we’re your construction finance partner.

- Experienced Commercial Lending Team
  Our team understands the unique challenges of construction finance and will guide you through every phase of your project.
- Customized Terms & Competitive Rates
  Whether you’re building one property or managing multiple developments, our loan structures are designed around your cash flow and timeline.
- Local Decision-Making
  We’re a community-focused bank with commercial capabilities. Our local underwriting means faster answers and more personal service.

Construction Finance for Builders & Developers

Builders and developers need financial solutions that keep pace with their projects. Our construction finance solutions for builders give you access to tailored lending options to support your operational needs, helping you stay on time and on budget.

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Looking for Real Estate Lending?

From commercial developments to investment properties, BankProv offers tailored real estate lending solutions to support your long-term growth. Whether you’re acquiring, refinancing, or expanding, our team provides the expertise and flexible financing options you need to bring your vision to life.

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Let's Building Something Great Together

Whether you're planning a commercial build, a residential subdivision, or seeking the ease of a single-close construction loan, BankProv offers flexible financing solutions tailored to your project. Our team is here to help you move forward with confidence.

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Explore helpful resources.

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Commercial Construction Lending FAQs

To qualify for a commercial construction loan, borrowers typically need to provide a detailed project plan, construction timeline, cost estimates, and financial documentation. Lenders, like BankProv, also look for strong credit, a solid business track record, and an appropriate equity contribution or down payment. Whether you’re pursuing subdivision financing or construction financing options for builders, the requirements help ensure the project’s financial viability and successful completion. All loans are subject to underwriting and credit approval.

A construction loan is a short-term, specialty financing option used to fund the building or renovation of a property. Unlike a traditional mortgage, it covers only the construction period. After the build is complete, the borrower must refinance into a permanent loan. Commercial construction loans are designed for developers, investors, or business owners constructing office buildings, retail centers, or mixed-use properties.

The construction loan process typically begins with submitting a loan application, including project plans, financials, and builder contracts. Once approved, funds are disbursed in stages, or “draws,” as construction milestones are met. At BankProv, we offer options like single close construction to perm loans, which consolidate the construction and permanent financing phases into one seamless transaction—simplifying the process and saving time and money. Whether you're building a new facility or developing a subdivision, BankProv commercial construction loans are designed to support your success from groundbreaking to completion.

The BankProv Commercial Real Estate (CRE) lending team offers commercial real estate loans in New England and New York. We are committed to supporting your real estate investment and development needs within these regions.

* All loans are subject to underwriting and credit approval.

Still have questions? Read more FAQs

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