Need a commercial construction loan in Frisco? Construction businesses here face capital demands that traditional banks often misunderstand: retainage holdbacks, equipment replacement cycles, and phased project draws.
73% of construction loan applications at regional banks stall because underwriters cannot reconcile job-in-progress revenue with conventional cash-flow models. In Frisco, where commercial development spans everything from data-center pad sites along the Dallas North Tollway to mixed-use projects in The Gate district, general contractors and specialty trades carry six-figure receivables while covering payroll, material deposits, and subcontractor draws. A commercial construction loan must release funds in stages tied to completion milestones, yet most community banks require full collateral up front and treat 90-day invoices as credit risk rather than standard practice. As a licensed commercial business-loan broker, we translate your AIA billing schedules and bonded project pipeline into loan structures that lenders actually approve.
Loan programs
Frisco's construction economy runs on speed: projects break ground faster here than in older suburbs like Allen or Fairview, and material lead times from suppliers near Prosper or The Colony mean you cannot afford to wait 90 days for a bank committee. Our business loans for construction companies are underwritten by lenders who know that a bonded backlog is bankable collateral.
cover up to $5 million for purchasing heavy equipment, acquiring a competitor, or consolidating high-interest merchant cash advances that many contractors take on during lean winters. Equipment financing funds excavators, crane packages, and concrete pumps without tying up your working capital; the machinery itself secures the note.
We start by reviewing your schedule of values, current contract pipeline, and equipment depreciation schedule. Then we match you to lenders who offer construction loan for commercial property projects, construction machinery finance, or short-term working capital, depending on whether you need to fund a single build-out or smooth cash flow across multiple jobs. Because we are a broker, not a portfolio lender, we can present your file to SBA-preferred lenders, equipment lessors, and factoring companies simultaneously, compressing what used to take eight weeks into two.
A mechanical contractor based near our Plano office at 8560 Belleview Dr recently needed $320,000 to purchase a fleet of service vans and fund payroll while waiting on retainage from a Frisco ISD project. We paired an SBA 7(a) loan for the vehicles with a 90-day invoice factoring line, releasing cash within 11 business days. That speed matters when you are staffing up for a July start date and cannot risk losing skilled labor to a competitor.
An HVAC trade contractor won three design-build contracts for office parks along Legacy Drive but faced a gap: the general contractor held 10% retainage, and the mechanical supply house required a $75,000 deposit on custom air handlers. Traditional banks wanted two years of tax returns showing profit margins above 15%, but construction accounting rarely looks that clean. We structured a small business construction loan using the bonded contract value as collateral and advanced funds in two tranches, one at equipment delivery and one at rough-in inspection. The contractor completed all three projects, and the retainage covered the final loan balance.
Serving the Frisco area
We know which lenders fund which kinds of Frisco businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
