Lawrenceville, GA
Our latest deal proves once again: when banks say no, we say, “What can we do differently to make this happen?” At Commercial Capital Ltd., FL (ComCapFL), we specialize in creative, customized capital solutions you won’t find at your neighborhood bank—or from a lender you found on Google.
The Background: Phase I Success Set the Stage
Our client is a major award-winning home builder with nearly 30 years of experience and hundreds of successful builds per year across the Southeast. In a climate where most banks have slammed the brakes on AD&C (Acquisition, Development & Construction) lending, we stepped in with a $3.8M funding package for Phase I of their subdivision project in Macon, GA.
Phase II: Ground-Up Construction Gets Moving
When it came time for Phase II—ground-up construction of single-family homes—our client came straight back to us. Why? Because they knew we provide real funding for real developers, not empty promises and slow committee reviews.
Unlike traditional lenders who demand all the money up front and force clients to lock in rates early, we took a more strategic approach. Together with our borrower, we phased the project, allowing them to capitalize on declining interest rates and reduce unnecessary hefty cash injections.
The Deal: Land Equity = Leverage
Originally, the developer thought they’d need $1M in cash to make Phase II happen. But through our flexible program structure, we helped them:
- Use their land equity as part of the down payment
- Minimize cash requirements by leveraging completed horizontal and vertical improvements
- Avoid having to fund the entire phase at once
That’s the kind of structure you don’t get at a traditional bank.
Our private capital-backed solution means no arbitrary caps on draws, no lengthy bank underwriting delays, and absolutely no reason to hit pause on growth while waiting on old-school financing.
Smart Developers Choose Smarter Funding
This was not just another construction loan—it was a strategic capital deployment that gives our client the power to build more homes, faster, with less capital tied up front. And we’ve done it before. Our consistency in delivering ground-up funding to experienced developers makes us the go-to firm for residential construction and development loans when others say “can’t.”
If you’re an experienced developer looking to fund your next acquisition or vertical build, and you’re tired of bank pushback, contact us today at (888) 959-1648 or email info@comcapfl.com.
We get deals done—efficiently, flexibly, and fast.
Apply now through our Loan Finder App.
No document uploads. No obligations. Just real talk and real funding.
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