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We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity


High LTV

We fund hard money loans up to 80-90% LTV with no issues.



We promise to treat you like a partner


No $ Limit

No limits on what we can do for you.

Business Funding

Our client was a trucking company based out of NY, that needed quick funding. In 24 hours, we arranged $100,000 in funding.

100% Funded!

Residential Refinance

We funded a purchase in California, for $1.2 million with 65% LTV. We helped the developer with with a 11% loan with balloon payment.

100% Funded!

Lawsuit Funding

Client was injured in a car accident and needed a cash advance on the future value of his lawsuit. In 48 hours, our funders wired funds over.

100% Funded!


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would.

Kevin Johns


Industries We Service

Residential Real Estate
Commercial Real Estate

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you


All loans require you to learn the ins and outs of financing. Commercial construction loans are no different. Here is what you need to know about commercial financing to help you make smart decisions.

The Basics of Commercial Construction Loans

A commercial construction loan is a type of financing that borrowers use to build or renovate commercial real estate. The majority of commercial loan borrowers are business owners. Lenders structure the loans so borrowers receive the funds during the construction or renovation process. Borrowers pay back the loans in monthly installments over a set period of time. Construction loans typically have repayment terms of 10 years or more.

As construction reaches specific targets, lenders will release funds to borrowers. For example, lenders may release funds when contractors pour the foundation or finish framing the interior or exterior walls. A unique feature is borrowers only pay interest on the money lenders release until construction or renovation is complete. There are three types of construction loans lenders offer:

• Construction-to-Permanent- If there is a clear construction plan in place, lenders will release funds from the loan using a timeline. After construction is complete, borrowers can convert this loan into a traditional commercial mortgage.

• Renovation Loans- These loans are common among borrowers who buy commercial properties in need of renovations.

• Construction Only- This loan type requires two separate transactions. First, borrowers take out a loan to complete construction on a commercial property. Second, upon completion of the construction, borrowers must find a second loan to pay off the principal on the first loan.

Interest Rates/Fees/Down Payment

Commercial construction loans have interest rates, fees and down payment requirements just like any other loan. Here is a breakdown of the fees and interest rates you can expect to pay for commercial construction loans:

• Interest Rates- Rates on these loans are typically higher than traditional mortgages. Rates can range from 4 to 12 percent depending on your credit score and other factors.

• Fees- How much a commercial construction loan costs you varies by lenders. However, typical fees include processing fees, documentation fees, project review fees and guarantee fees.

• Down Payment- Lenders consider construction loans high-risk, so they usually require a significant down payment. In most cases, lenders require a down payment of 10 to 30 percent of the overall cost of the project. There are very few instances where lenders finance 100 percent of construction.

Qualifying for a Commercial Construction Loan

Commercial construction loan requirements are much more stringent than traditional mortgages. If you have a marginal credit score and gaps in your income, chances are good you will not qualify for a construction loan.

The typical minimum credit score requirement is in the mid-to-high 600s. However, some lenders require scores in the 700s. If you own a business, lenders will evaluate your business credit. You also need a low debt-to-income ratio. Lenders will require detailed information about the property, and you must prove you have enough savings to cover any additional costs.

The Bottom Line on Commercial Construction Loans

If your business is ready for expansion, a commercial construction loan is a good option. Although it can be a challenge to qualify for a loan, it is not impossible. If you perform some due-diligence on what to expect from commercial construction loans, you will have a better chance of finding a lender willing to finance your expansion.

Hard Money Loans

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