Flexible Commercial Construction & Permanent Loans

Commercial construction loans provide capital during development, typically funding land acquisition, hard costs, soft costs, renovations, or ground-up construction through draws tied to project milestones. Permanent loans are longer-term financing solutions used after completion or stabilization to refinance construction debt, support ownership, and align repayment with property cash flow.

Stirling Capital Group supports developers, investors, and business owners financing owner-occupied facilities, multifamily developments, hospitality properties, income-producing assets, and larger commercial real estate projects. The firm also works with borrowers seeking alternatives when traditional banks are too restrictive, too slow, or unable to accommodate complex project structures.

Projects commonly require a clear development plan, cost budget, borrower background, site or property details, entitlement status, projected income, exit strategy, and evidence of equity contribution. Lenders may also review collateral, sponsor experience, market demand, pre-leasing, contractor information, and the path to permanent financing or sale.

Yes. Stirling Capital Group provides strategic financing guidance from land acquisition and construction through stabilization and long-term ownership. This may include bridge lending for land, construction financing, mezzanine capital, equity capital, and permanent or stabilization financing when the project transitions into operating performance.

The service catalog notes construction financing availability for projects ranging from $5 million to $500 million and beyond. Final loan size depends on project type, location, capital stack, collateral, borrower strength, lender appetite, and whether the request involves senior debt, mezzanine financing, equity, or permanent refinance.

Private lending can offer flexibility when a project does not fit a traditional bank credit box. Stirling Capital Group has access to over sixty private lending sources, including institutional lenders, specialty finance sources, and private equity groups, allowing borrowers to evaluate multiple potential structures rather than relying on one lender’s criteria.

Yes. Stirling Capital Group can help bridge funding gaps through mezzanine financing and equity capital solutions, including joint venture equity, preferred equity, or additional project capital for qualified development opportunities. These structures can be useful for larger or more sophisticated projects that need a customized capital stack.

Stirling Capital Group serves borrowers across the continental United States, major Canadian cities, and Puerto Rico. The firm’s lender relationships span multiple categories of commercial lending, enabling it to evaluate construction, development, and permanent loan opportunities across many property types and markets.