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Oregon New Construction Loans

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

Oregon New Construction Loans

Expanding your business in Oregon may mean you need to apply for a commercial construction loan. If you plan to build new or you want to renovate and don’t have all the funds, a commercial construction loan is an effective way to produce most of the money you need.

The Difference Between a Commercial Mortgage and a Commercial Construction Loan

A commercial mortgage is used for buying existing property for your business. A commercial mortgage is also dispersed in a lump sum, while a construction loan is dispersed as you hit milestones in your construction project. A construction loan is for labor, materials, and land development.

When you make payments on a commercial construction loan in Oregon, you will pay on the interest on the part of the loan that is dispersed to you. The typical loan will have you pay only interest until your project is done and then you owe a lump sum to pay off the loan. Most of the time a construction loan is paid off with a commercial construction mortgage. The mortgage uses the property as collateral.

What are the Fees and Interest Rates for a Commercial Construction Loan?

Fees and interest rates vary by the lender and your credit score. The typical fees are guarantee fees, processing fees, documentation fees, project review fees, and fund control fees.

How Much of a Down Payment is Required?

A commercial construction loan lender will want you to have a down payment. A down payment is typically 10% to 30% of the project. Getting a loan for the whole cost of the project is not usual. The loan-to-cost calculation is what conventional lenders start with to decide what they are willing to lend a borrower. The total of the loan requested is divided by the total cost of the project to produce the percentage for loan-to-cost. Lenders like to see this at 80% or 85%. Mezzanine loans help some borrowers produce the remaining funds as a down payment.

Eligibility for a Commercial Construction Loan

  • Credit above 700 is ideal.
  • Debt to income ratio.
  • Debt service coverage ratio.
  • Industry experience.
  • Construction plans.

Types of Commercial Construction Loans

  • Small Business Administration 7(a) Program

    This SBA loan is used for construction purposes or an existing building. You can borrow up to five million and the interest rate is based on the amount of the loan. The loan terms are up to 25 years. To qualify for the loan a business needs to be at least two years old.

  • Small Business Administration CDC/504 Loan

    This loan is for a term of 10 to 20 years and has a fixed interest rate. The borrower handles 10% to 20% of the costs.

  • Bank Loans

    Traditional commercial construction loans vary based on the timeline of the loan, the qualifications and if the pay-off comes from long-term financing.

  • Hard Money Loans

    This type of loan offers short-term financing from private lenders. The interest rates may be higher, but it is easier to qualify for this type of loan.

  • Mezzanine Loans

    If you take out a mezzanine loan to help with down payment costs or other costs, the loan is secured with stock in your business. If you default, the lender owns equity.

Hard Money Loans

Need funding for your next project?

Complete Our Hard Money Loan Application
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