Building Smarter, Faster — With Private Capital
Commercial construction is one of the most opportunity-rich but cash-intensive sectors in real estate.
Whether you’re developing multifamily units, repurposing commercial space, or building retail properties, one constant remains:
You need fast, flexible financing that traditional banks can’t deliver.
That’s why more developers are turning to hard money commercial construction loans — short-term, asset-based financing designed to move at the speed of opportunity.
At Ambition Lending, we empower builders, developers, and investors to break ground faster and complete projects without the delays, bureaucracy, or red tape of traditional lending.
What Is a Commercial Construction Hard Money Loan?
A commercial construction hard money loan is a short-term, asset-backed loan that funds the purchase of land, ground-up development, or major renovations of income-producing commercial properties.
Unlike bank loans that take months of underwriting, these loans are approved based on:
- Property value and development potential
- Construction budget and project timeline
- Borrower experience and exit strategy
That means approvals in days instead of months — and funds released according to draw schedules as the project progresses.
Types of Projects Funded
| Project Type | Typical Loan Term | LTV / LTC Range | Borrower Type |
|---|---|---|---|
| Multifamily Developments | 12–24 months | 65–75% | Real estate developers |
| Mixed-Use Properties | 12–18 months | 60–70% | Builders / investors |
| Retail / Office Conversions | 9–18 months | 60–70% | Commercial flippers |
| Industrial / Warehouse | 12–24 months | 65% | Owner-builders & developers |
At Ambition Lending, we tailor loan structures to each project’s complexity and exit plan.
Why Developers Use Hard Money for Construction
- Speed to Close – Secure funding in as little as 7–10 days.
- Flexible Draws – Access construction funds as you complete milestones.
- Less Bureaucracy – No committees, board reviews, or six-month approvals.
- Leverage & Liquidity – Keep more capital free for new acquisitions.
- Scalable Growth – Fund multiple developments simultaneously.
Commercial projects are time-sensitive. Every day of delay increases holding costs, subcontractor expenses, and missed opportunity.
Hard money eliminates that bottleneck.
Example: Ground-Up Development in Texas
A Houston-based investor acquires a commercial lot for $1.1M to develop six retail bays.
Bank financing would take 90 days for approval — far too long for the seller’s deadline.
Ambition Lending approves and closes the deal in 9 days, funding 70% of total project cost.
Draws are released at each construction phase — foundation, framing, MEP, and finish-out — keeping work flowing without interruption.
The project completes in 11 months, and the property is refinanced at full market value for long-term cash flow.
How Commercial Construction Hard Money Loans Work
- Submit Project Package: Land value, budget, scope of work, exit plan.
- Valuation: We assess current and future project value.
- Loan Terms: Based on total cost (LTC) and projected ARV.
- Funding: Initial draw for land or acquisition, then progress draws.
- Exit: Sell or refinance into long-term permanent financing.
Each step is streamlined to maximize builder efficiency and profitability.
Common Exit Strategies
- Sell on Completion – Flip the finished property for profit.
- Refinance to Permanent Loan – Transition to a long-term commercial mortgage.
- Hold for Income – Stabilize and lease for ongoing cash flow.
Ambition Lending designs loan terms to fit your end goal — not the other way around.
Why Ambition Lending Is the Partner of Choice
✅ Fast Commercial Approvals: Close in 7–10 business days.
✅ Flexible Loan Amounts: $500K to $10M+ available.
✅ Draw Management: Transparent milestone-based releases.
✅ High LTV & LTC Options: Up to 75% ARV or 85% LTC for qualified builders.
✅ Nationwide Reach: Focused in FL, TX, AZ, CA, MD — expanding rapidly.
We don’t just fund construction — we build relationships that scale.
Final Thoughts
Commercial construction requires confidence, capital, and timing.
Traditional banks move too slow for modern developers.
With hard money commercial construction loans, you can break ground immediately, manage liquidity efficiently, and complete projects on your schedule — not the bank’s.
Ambition Lending delivers the expertise and execution to make that happen.
👉 Apply for Commercial Construction Funding Today
Close in Days, Not Weeks — Powered by Ambition Lending.
