Commercial Construction Loans

When a conventional construction loan isn’t an option, Madison One CUSO can help your business capitalize on government funding programs with favorable terms.

Build Your Company’s Future With a Business Construction Loan

Your business has big plans to grow, and you need a new or upgraded facility to make that plan a reality. However, as a small or rural business, you might not have the funds for a down payment or a conventional lender willing to offer financing.

If it feels like you’ve run out of options for your new construction or renovation project, don’t abandon your plans just yet. You may be eligible for a commercial construction loan from Madison One CUSO, which enables businesses that have exhausted other options to obtain funding backed by a government guarantee. With an SBA or USDA loan, you don’t have to settle for outrageous interest rates, unrealistic equity injection requirements, or short terms with monthly payments you can’t afford.

SBA Commercial Construction Loans

If you qualify as a for-profit small business according to the Small Business Administration’s definition, you may be eligible for one or both of their business construction loan programs:

SBA 7(a) Loans: New construction and renovation projects are eligible for up to $5 million in SBA 7(a) funding. Because of its minimal down payment and collateral options, Madison One CUSO recommends this loan type for various small businesses with smaller-scale construction plans.
SBA 504 Loans: The 504 program is specifically designed to promote business growth through the acquisition, creation, or upgrade of assets, including buildings. With down payments as low as 10% and up to $15 million in financing, a 504 loan is an excellent option for commercial construction projects.

USDA Commercial Construction Loans

For-profit or nonprofit business owners, public entities, and other eligible groups in rural areas have several USDA loan options available for commercial construction, including:

USDA B&I Loans: This loan program offers similar benefits to SBA 7(a) loans, but only rural businesses or projects are eligible for up to $25 million in funding.
USDA Food Supply Chain Loans: Businesses involved in food production, transportation, and distribution can qualify for up to $40 million to construct or renovate their facilities.
USDA 9003 Loans: Businesses may qualify for up to $250 million in financing to build or renovate biorefineries or biobased product manufacturing facilities.

Find Out If You Meet Our Commercial Construction Loan Requirements

In a 15-minute phone call, a Madison One CUSO team member can determine if your commercial construction project is eligible for USDA or SBA funding. Speak with an expert today to discover your options.

Schedule My Loan Consultation

Benefits of a Government-Guaranteed Business Construction Loan

Conventional construction financing often isn’t viable for businesses with limited capital or special use purposes for their facility. Although government-guaranteed loans are available as a plan B, they still offer highly favorable conditions to borrowers, including:

Low down payment requirements and higher advance rates than convention loans (as much as 80–85% of your collateral’s value)
Amortization without a balloon payment at the end of your term
Long loan terms
A government guarantee for a large percentage of your total loan amount
Single-digit interest rates for many loans

Madison One CUSO can guide you through your loan options and help you determine which commercial construction loan program (or programs) offers the most financial freedom for your business.

Learn More About Our Loan Offerings

Depending on the scope of your project and its location, you may be eligible for more than one USDA or SBA loan. Explore our loan types to learn more about the eligibility requirements, maximum loan amounts, and advantages of each option.

Browse Loan Types

Why Choose Madison One CUSO as Your Commercial Construction Loan Lender?

When you’re ready to invest in your company’s future, finding the right lender is just as important as selecting a loan program. A knowledgeable partner can help you understand your options and obligations, set realistic expectations, and handle the complicated lending process on your behalf.

At Madison One CUSO, we’ve spent years successfully structuring and closing business loans for companies nationwide. Government loans aren’t just one financing option we offer—they’re our specialty. As a result, our team members have experience closing every type of USDA and SBA loan and working with government offices to ensure success. We’re proud to maintain a high closing rate, and we’ll do everything in our power to obtain the funding you need.

Commercial Construction Loans

Build Your Company’s Future With a Business Construction Loan

SBA Commercial Construction Loans

USDA Commercial Construction Loans

Find Out If You Meet Our Commercial Construction Loan Requirements

Benefits of a Government-Guaranteed Business Construction Loan

Learn More About Our Loan Offerings

Why Choose Madison One CUSO as Your Commercial Construction Loan Lender?

Contact Our Commercial Construction Loan Experts

Loan Types

Industries

Contact