Commercial Construction Loan in Hollywood, FL
A concrete contractor on Hollywood Boulevard just landed a three-building renovation in Hallandale Beach, but his bank wants 30% down and won't release draws until each phase closes.
A concrete contractor on Hollywood Boulevard just landed a three-building renovation in Hallandale Beach, but his bank wants 30% down and won't release draws until each phase closes.
Banks treat construction like retail: predictable monthly revenue, steady inventory turns. Construction is neither. You order rebar in May, pour in June, invoice in July, and chase payment until September. A typical commercial construction loan from a retail bank assumes you bill customers the day you buy supplies. That mismatch kills cash flow before the first foundation is dry.
Hollywood's building boom, mixed-use projects along the Broadwalk, warehouse conversions in West Park, medical offices near Memorial Regional, creates opportunity and pressure. Contractors bid competitively, then discover their line of credit won't cover payroll between the deposit and the first AIA draw. Material suppliers in Davie and Plantation expect net-15; your client's construction manager approves invoices net-45. The fourteen-day gap becomes a sixty-day canyon.
We broker construction financing that acknowledges these realities. SBA 7(a) loans offer longer terms and lower down payments than conventional construction credit. Equipment financing lets you acquire that excavator or crane without draining operating cash. A business line of credit bridges the invoice-to-payment window so your crews stay on schedule.
Loan programs
work for acquisition, heavy equipment, and working capital; equipment financing isolates machinery purchases; lines of credit smooth job-to-job cash flow Each program serves a different pressure point. We help you combine them when one alone won't cover the full need.
Longer amortization, up to 25 years on real estate, 10 years on equipment, means lower monthly payments while you're waiting on that Aventura high-rise to release retained funds. The SBA guarantee makes lenders more comfortable with seasonal revenue swings and project-based income statements.
More on SBA 7(a) Loans for ContractorsDump trucks, backhoes, concrete pumps, scaffolding systems, construction machinery finance isolates the asset as collateral so you're not pledging receivables or real estate. Payments align with the equipment's useful life, and Section 179 depreciation can ease the tax bite.
More on Equipment Financing for Construction MachineryA revolving line covers payroll, fuel, subcontractor deposits, and material orders between invoice submission and client payment. You draw what you need, repay when the draw check clears, and keep the line open for the next job.
We translate your AIA billing schedule and job pipeline into documents lenders understand, then match you to programs that fund on a draw basis or allow interest-only periods during construction. Most contractors hand a bank twelve months of QuickBooks printouts and hope for the best. We walk lenders through your backlog, bonding capacity, and change-order history so they see momentum, not risk.
Hollywood's construction market is hyperlocal. A framing crew that works the Broadwalk knows different permitting timelines than a mechanical contractor focused on industrial parks near the airport. We've brokered loans for construction companies in both lanes. That context speeds underwriting and reduces the back-and-forth that stalls projects.
We also coordinate timing. If you're breaking ground in forty-five days, we prioritize lenders who can close in three weeks, not three months. Relationship beats transaction: we'd rather place you with the right lender once than churn you through three mediocre options.
A framing company based near Hollywood Circle has spent five years on single-family subdivisions in Davie. A developer offers them four mid-rise buildings in Hallandale Beach, doubling revenue but requiring two more crews, a job-site trailer, and enough working capital to cover eight weeks of labor before the first progress payment.
Their credit union offered a term loan with full principal-and-interest payments starting month one. The contractor's cash flow model showed a four-month deficit. We brokered an SBA 7(a) loan with a six-month interest-only period and a separate equipment line for the trailer and tools. The company hired both crews, delivered phase one on time, and the developer added two more buildings to the contract.
That's the difference between a loan product and a construction loan company that understands how general contractors actually get paid.
Serving the Hollywood area
We know which lenders fund which kinds of Hollywood 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.