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Construction Financing

Conventional Construction Loans

Conventional Commercial Construction Loans are available up to and over 70-75% loan to cost (or sometime completed value) for various property types such as office, industrial, multifamily and others.

Mission Valley Capital can arrange commercial construction loans in some cases up to $50 million or more.

These loans are available for acquisition of land or buildings, new construction of buildings, and you can put up a building or build out property without the need for a separate construction loan.

SBA Commercial Construction Loans

Commercial Construction Loans are available up to and over 150% loan to cost via the SBA loan programs for small and mid-sized businesses to build “owner occupied” commercial property from the ground up or to expand an existing building or facility.

The 7a program is available up to $5 million and higher in some cases,* and the 504 program can accomodate projects up to and over $12 million with as little as 10% down/10% equity and approx $20 million with 20% equity.**

These loans are available for acquistion of land or buildings, new construction of buildings, and in the case of the 7a, you can put up a building or build out property without the need for a seperate constructon loan.

The SBA 7a is one loan, so it is essentially a “construction to perm” loan.

The definition of “owner occupied” for ground up SBA construction loans means your small business should initially occupy 60% or more of the new space and the rest may be leased out – some of it permanenty and the rest for up to 10 years.

Bridge Loans and Hard Money Loans

$1,000,000 to $100,000,000

Sometimes companies need a little extra funding in order to take on a large order for a customer, or to see an internal project (such as acquiring new equipment) to completion. In order to keep daily operations running smoothly, bridge loans and hard money loans can be the solution. We secure Commercial Bridge Loans and Hard Money Loans extremely fast so your operations and goals do not miss a beat.

Criteria and rates:

  • Loan Amounts: $1 million up to $100 million
  • Lending Area: National and International
  • We primarily lend to commercial real estate, including raw land development projects
  • Interest Rate: Variable from 9% to 14% depending on collateral
  • Amortization: Interest Only
  • Organization Fee: 1-4%

Our hard money loans also come with:

  • Interest only amortization
  • Up to 80% for your loan-to-value ratio
  • Anywhere from one to four percent for the origination fee for your commercial financing deal
  • Closing time of five days to a full month

Please contact us with any questions, comments, or concerns you may have.


A representative will handle your inquiry
within 8 business hours.


Mission Valley Capital
Toll Free: (844)-347-1070
Main Office: (858)-304-3204
Fax: (858)-304-3198