Build or Renovate

Looking to Build or Renovate a Commercial Property?

Whether you’re starting from the ground up or transforming an existing space, Top Flite Commercial offers flexible financing for construction and renovation. We help business owners, investors, and developers turn plans into finished projects — with structured draw schedules, expert support, and funding tailored to your timeline and scope.

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Construction Loans

Fund ground-up builds with draw schedules tied to project phases. Available for owner-users or investment projects.

Bridge-to-Perm Financing

Start with an interest-only short-term loan, then convert to permanent financing after stabilization or occupancy.

Renovation / Value-Add Loans

Unlock potential by improving or repositioning existing properties. Ideal for increasing value or attracting tenants.

What You Can Expect

Experienced team that understands construction timelines
Flexible draw schedules and contractor coordination
Renovation financing for both major and minor upgrades
Funding aligned with appraisals, permits, and project phases
Support navigating permits, inspections, and lender conditions
Confidence in a team with over $180M in closed CRE loans

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Building or Renovating

Frequently Asked Questions

How are construction loans structured?

These are usually interest-only during construction, with funds disbursed in draws as work progresses. After the build, many borrowers refinance into a permanent loan.

Can I use a construction loan to renovate or expand a property I already own?

Yes. Renovation loans are available to fund improvements or reposition properties for resale or higher cash flow.

What’s the down payment or equity requirement for construction loans?

It varies, but most lenders require 20–30% equity (land value + cash). If your land is already paid off, that may count toward your equity.

How long does it take to close a construction or renovation loan?

It depends on the complexity of the project, readiness of plans, and title work. Expect 45–60 days in most cases, with simpler renovations possibly closing faster.