Build the financing plan alongside the building
A construction project has two schedules: the work on site and the movement of money. A useful financing plan connects both. It explains what you are building, how each stage will be paid for, and what will repay the construction debt when the project reaches its next milestone. This hub helps you assemble that plan before making a financing decision.
The starting parameters described here cover business-purpose ground-up projects: new commercial buildings, including mixed-use developments; multifamily buildings with 5–10 units; and condo-exit projects with 2–10 units. The supplied financing range is $300,000–$5 million, with terms of 12–24 months. These are planning boundaries from the product brief supplied for this hub, rather than a current commitment or a complete underwriting policy. Availability and transaction terms require confirmation.
Start with the question in front of you
If you are evaluating a site, begin with Project types & parameters. Describe the use, unit count, business purpose and intended exit. Record anything that remains uncertain instead of forcing the project into a category. A project that appears within the stated range still needs its property, sponsor, budget and repayment plan reviewed.
If you have drawings and a contractor estimate, move to Budgets & equity. Separate documented costs from allowances. Use the calculator to test a proposed loan amount against total uses, then identify which portion of the equity requirement could be credited land and which portion needs cash. A total equity number alone does not tell you when that cash must be available.
If construction timing is your concern, open Draws, interest & timing. Build a monthly advance schedule and test a delay. For projects approaching completion, use Planning the exit to compare repayment needs with estimated refinance or sale proceeds. Finally, the Readiness checklist turns unanswered questions into a preparation list.
Follow the money through four decisions
Define. Write a short project statement: location, planned use, total units, development stage and repayment strategy. Keep the current plan distinct from alternatives you might pursue later.
Fund. Reconcile total project uses with debt and equity. Identify the portion available at closing and the portion advanced as construction progresses. Ask who pays invoices before a draw clears.
Build. Track approved changes, remaining contingency and the forecast cost to finish. Keep a live schedule of outstanding draw requests and expected payments.
Exit. Set a target repayment date with room for completion, leasing or individual sale closings. Work backward from that date to identify the decisions that must happen earlier.
Make every assumption useful
The tools use hypothetical starting values, not quoted financing terms. Replace them with evidence from your own project. Results stay in your browser and can be printed. They are meant to expose funding gaps and useful questions; they cannot establish eligibility, value a property or secure financing. Start with one base case, then change a single assumption so you can see what drives the result.
