Commercial

Commercial construction-to-permanent loan

The short answer This coordinates funding during construction with financing after completion and any required stabilization. Budgets, draws, inspections, contingencies and the repayment plan all matter. The permanent phase may be committed under conditions or may need a later transaction; the label alone doesn't tell you which.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

You're planning a commercial build for your business or as an investment.
You have a budget, plans and permits in progress.
You want to understand the full path from construction to long-term financing.

Tradeoffs to weigh

A permanent loan is included only if the agreement provides it and its conditions are met.
Construction delays or slow lease-up can affect income, reserves, extensions and permanent financing.
Draws and inspections add steps and require close budget tracking.

What to have ready

Whether your business will occupy it or it's an investment.
Project stage, budget and permit status.
Any preleasing, if relevant.
Your or your team's construction experience.
Your plan for long-term financing after completion.

Questions people ask

Is a permanent loan automatically included?

Only if the actual agreement provides it and its conditions are met.

What if tenants arrive late?

Delayed stabilization can affect income, reserves, extensions and permanent financing.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my application Talk to Marcus

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

OCC: Commercial Real Estate Lending, Comptroller's Handbook, version 2.0

Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.

Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.