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“Business Loans Commercial Construction”

“Who qualifies for a commercial construction loan? Every commercial construction loan is evaluated on a case-by-case basis. Whether you’re a first-time investor or seasoned builder, we look for a solid plan, a reputable contractor, and an understanding of your financials. What’s the difference between a spec loan and a traditional construction loan? A spec loan is for investment builds—typically a home or property you're constructing to sell for profit. A traditional commercial construction loan is often for buildings your business will occupy or lease. Do I need a licensed contractor? Yes, in most cases. If you're building in an area like Montrose that doesn't require contractor licensing, we still conduct due diligence and may request references or reports. Can I use land I already own as equity? Yes. Owned land counts toward your equity on your project. What’s the typical interest rate? Rates are based on a variety of factors. Let’s talk through specifics to determine your rate. How do construction draws work? We set up a dedicated account. You submit a draw request with supporting invoices, and we disburse funds after inspection—keeping your build on track and your budget in check.”

“Whether you're constructing your first spec home or breaking ground on a new commercial property, Timberline Bank is your partner for flexible financing and local expertise . We believe in doing business face-to-face, not form-to-form.”

“Timberline’s commercial construction financing is structured to support projects from the ground up—literally. These loans are short-term draw lines of credit that help cover land, materials, labor, and soft costs associated with building commercial or investment properties. Most often, we finance spec home construction, small commercial buildings, warehouse development, and mixed-used or investment deve lopments.”

“View your account, transfer funds, or pay bills 24 hours a day using your Internet banking access. Learn more Enroll in Online Banking Sign up quickly and easily and we’ll do the rest! Access your accounts and manage your banking activities whenever it’s convenient for you. Get Started Looking for a Loan? Start or expand your business with us, knowing we’ll Lead The Way through the process while earning your trust and confidence. Learn more Have Questions? We’re here to help. Connect with a real person who will be happy to assist you. Get in Touch”

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“Purchase or refinance commercial real estate using up to 80% of the property’s appraised value. The mortgage may carry a fixed or floating rate, depending on your particular situation. Because of the nature of this type of loan, a real estate appraisal is a necessary part of the approval process, as well as the usual and customary underwriting guidelines.”

“Documentation we need to consider your Commercial Loan request: The purpose of the credit request, including the amount and term desired A brief history of you company and summary of your management team Updated business plan and projections Documentation of available collateral Updated, completed, and signed Personal Financial Statement form Last three years Federal and State Income Tax Returns (Business & Personal) Last three years business earnings history (Balance Sheet and Income Statement) CONTACT A LENDER CALCULATORS Get a digital change jar with Pocket Change. You spend, we do the saving. Learn More Invoicing, Payroll Services, website design, and much more! Merchant Services Do you understand the power of trusts? Learn More Get your banking questions answered online in real-time. Let’s Chat”

“Bridge Loans”

“Commercial Construction Loans”

“office buildings retail or shopping centers apartment buildings hotels restaurants industrial buildings After getting loan approval and making a down payment (usually 20-30% of the purchase price), your business property secures the commercial real estate loan, much like a residential mortgage . Consumers National Bank offers flexible commercial real estate financing with 3 to 20-year terms and fixed and variable interest rates. Our local loan approval team understands the northeastern Ohio market and will help you through the process. Connect with us today to find a commercial real estate loan that fits your budget and your business! REQUEST INFO × Name Email Phone Zip Code I would like to request information on Business Entrée Checking Business Complete Checking Business Ultimate Checking Remote Deposit Capture ACH Payments & Payroll Zero Balance Accounts Resubmit Check Recovery Wire Transfers Positive Pay Sweep & Investment Accounts Business Savings Account Business Money Market Health Savings Account Simplified Employee Pension Plans Individual Retirement Accounts Equipment Loans Business Term Loans Commercial Real Estate Loans Construction Loans Questions Captcha Report Fraud Careers Reorder Checks Privacy Cookie Policy Security Accessibility Sitemap Routing Number: 041201143 NMLS# 561314 Stock Price (OTCQX - CBKM): $ -->”

“Commercial Real Estate Loans”

“Home Construction Loans”

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“Providing select financing options for those operating in the CRB (cannabis-related business) industry. Learn more --> Mobile Privacy Notice | Privacy Notice | Cookie Policy | CRA Public File | Terms of Use | Accessibility | Make a Payment | Site Map Bank Michigan NMLS#: 607486 | Mortgage Lender Listing © Copyright 2026 by Bank Michigan”

“Home / Business / Business Loans / Commercial Real Estate”

“Below are a few of the resources you'll need during the process of applying for a business loan with Bank Michigan. Business Debt Schedule Form Commercial Loan Application Personal Financial Statement (PFS) Form When you're ready to get started, please reach out to a business banker with any additional questions or stop by one of our branch locations for a personal visit.”

“As Washtenaw County's #1 SBA 7a lender, we know the right way to do SBA Loans. Learn more”

“Construction to Permanent loans are a one-time closing. While your home is being built, you will pay the interest at the rate that you received at application. Upon completion of your home, your loan will be modified with new terms and the final interest rate will be set for the remainder of your loan. Your permanent interest rate will be based on credit scores, loan to value, and the market at the time your loan switches to a permanent loan after completion of the construction.”

“Construction Loans”

“Interest-only payments while your home is being built Fixed construction interest rate for 12 months”

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