Commercial Construction Loan in Daly City, CA
A commercial construction loan in Daly City funds ground-up projects, tenant improvements, and equipment purchases for contractors through SBA 7(a), equipment financing, and working capital lines.
A commercial construction loan in Daly City funds ground-up projects, tenant improvements, and equipment purchases for contractors through SBA 7(a), equipment financing, and working capital lines.
Construction businesses operating in Daly City face unique funding gaps that standard bank products ignore. You're bidding on a multi-phase residential remodel in Westlake or a seismic retrofit project in the Broadmoor hills, and your bank wants three years of tax returns before you can buy the excavator sitting at the dealer in South San Francisco. Meanwhile, your supplier in Brisbane just shortened net terms to fifteen days, and the permit fees at Daly City's Community Development Department cleared your operating account. A construction loan for commercial property bridges the gap between contract award and the first progress payment. Equipment financing puts that skid-steer on your yard without a six-figure cash outlay. Working capital covers payroll during the sixty-day lag between pouring foundation and receiving the next draw. We match your project timeline to the right program, so documentation flows in the order lenders actually read it.
Loan programs
SBA 7(a) loans finance owner-occupied shop space, vehicles titled to the business, and long-term working capital with repayment stretched over ten years. Equipment financing funds excavators, dump trucks, concrete pumps, and construction machinery finance needs with the asset as collateral. Working capital lines cover labor, materials, and bonding costs between progress payments. Invoice factoring converts unpaid AIA G702 applications into same-week cash when a developer in Pacifica slow-pays. Commercial construction financing isn't one product; it's a sequence we assemble around your project schedule and your balance sheet.
We collect your financial statements, project contracts, contractor's license, and bonding capacity once, then shop that package to lenders who already understand construction business loans. You're not explaining change orders to a banker who's never walked a job site. We know which lenders accept work-in-progress as collateral and which require a completion guarantee. When a general contractor in Colma needs $180,000 to purchase two used excavators and cover the first thirty days of a hillside grading contract, we route the equipment piece to an asset-based lender and the working-capital piece to a revenue-based line, close both in three weeks, and hand you a single settlement statement.
A mechanical contractor based near Daly City's Serramonte Center holds a signed contract to install HVAC systems in a new mixed-use building in Millbrae. The contract pays on net-45 terms after each milestone, but the supply house in San Bruno requires payment on delivery. We structured $95,000 in small business construction loans using invoice factoring for the receivables and a short-term line for material deposits, syncing funding to the project's four-phase schedule.
Serving the Daly City area
We know which lenders fund which kinds of Daly City 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.
Why Daly City owners trust Hazelcrest Financial