Acquisition, Development & Construction (AD&C) Loans

Acquisition, Development &
Construction (AD&C) Loans

A/C/D Loans for Residential Developments

Acquisition, Development & Construction (AD&C) Loans

Our branch owner, Dave Dambro, isn’t just a commercial lender – he’s also a real estate developer and maintains an active real estate brokerage license. That combination means he understands your project the way a fellow developer does, not just the way a bank underwriter does, and can point you toward the specific financial tool that actually fits what you’re building.

Built for experienced developers and builders – not one-off spec builders – our AD&C platform funds residential development projects from raw land through vertical construction and beyond. Consolidating your acquisition, development, and construction financing under one lender streamlines draws, reduces friction between phases, and keeps your project moving on one set of terms instead of several.

Who We Lend To

If you’re an experienced developer or builder* with a track record to show us, we want to talk. If you’re building your first spec home, this isn’t the right fit – but reach out and we can point you toward options that are.

*Generally, at least 2 completed projects of similar scope in the past year.

Our Products

Horizontal Development & Vertical Construction Loan

Our flagship AD&C product, combining land acquisition, horizontal site development (grading, utilities, roads), and vertical construction into a single loan for single family, condo, 2-4 unit, and townhouse projects.

Construction Loan

Vertical-only new construction financing for build-ready, already-entitled lots – a faster-moving option when your land doesn’t need horizontal development.

Bridge Loan

Interim financing for completed or nearly completed home inventory, bridging the gap between construction completion and permanent sale or refinance.

Guidance Line

A revolving facility for developers running multiple projects at once – acquisition, development, lot banking, and vertical construction, all under one line.

Build-to-Rent Financing

Flexible structures for build-to-rent strategies – single asset, portfolio, or revolving facility – combining acquisition, development, construction, and bridge aggregation to fit how you’re building your rental portfolio.

Terms, loan amounts, and leverage vary by product and project – the fastest way to find out what fits is to talk it through with us directly.

Ready to Talk Through
Your Project?

Every project is different, and these programs are structured deal by deal. Tell us what you’re building, and we’ll tell you which tool fits.

Get Pre-Qualified

Frequently Asked Questions

Do I need to be an experienced developer to qualify for AD&C financing?

Yes. We require demonstrated experience with similar property types and project sizes within the last 18 months, evidenced by completed and sold or stabilized inventory.

What's the difference between the Horizontal Development & Vertical Construction Loan and a standalone Construction Loan?

The combined product finances land acquisition, site development, and vertical construction together. The standalone Construction Loan is vertical-only, for build-ready lots that don’t need horizontal development.

Can I finance multiple projects under one loan?

Yes, in most cases – multiple properties per loan are allowed if they’re in the same jurisdiction, or across locations with our Guidance Line if you have demonstrated experience in each.

What are your rates and loan amounts?

These vary by product, project scope, and borrower profile. Reach out and we’ll walk through what applies to your specific project.

Address

402 5th Ave Ste 102
Indialantic, FL 32903

Write to us

info@comcapfl.com

Call Us

(888) 959-1648

Commercial Capital Ltd., FL is a direct lender and correspondent for 300+ additional funding sources – including banks, credit unions, and private capital – ranked among the nation’s top 40 commercial lenders for loans closed.