Construction Financing Built Around Your Project
Commercial, industrial, and residential development projects rarely fit a conventional lender’s standard products. We structure customized construction facilities that reflect the reality of draw schedules, project timelines, and collateral constraints — not the other way around.
Customized construction facilities, backed by deep lender relationships
Construction financing is a core capability at Fit Capital. We work with developers, builders, and project owners who need capital structured around how a build actually unfolds — not a standard amortization table.
Conventional lenders often struggle with progress-draw structures, phased timelines, and the collateral profile of ground-up projects. That gap is exactly where a boutique advisory with direct lender access earns its value.
From land acquisition through to term financing, we can structure a single facility that carries a project from the ground up — or step in at any phase where additional capital is needed.
Built for developers with a clear project plan
This service is built for commercial, industrial, and residential developers who need capital structured around how a project actually gets built — from land acquisition through to a stabilized asset.
We work best with developers and project owners who already have a clear construction plan and the underlying capacity to carry the facility. Our role is finding and structuring the right financing — not building the project case from scratch.
What affects the cost of building financing
Cost is shaped by several factors, including project size, draw structure, loan-to-value ratio, the borrower’s cashflow profile, and which lender category best fits the deal. Conventional lenders price differently than credit unions or private facilities, and the right match depends on the full picture of the operation.
We work with a network of executive-level lenders, including Schedule 1 banks, credit unions, and private lenders, to match each build with the facility best suited to it. Every package starts with a thorough review of the operation, the project plan, and the timeline. From there, we prepare a strong loan presentation and bring it directly to decision-makers we already have relationships with.
Related support
Many of our clients also work with our sister company, Agri Fit Solutions, for ongoing farm planning, risk management, and fractional CFO support. This is especially common for operations where a new build is one part of a larger transition, such as an expansion, succession, or land purchase with infrastructure attached.
Construction Financing FAQs
We have answered the questions we hear most from agricultural operators, landowners, and agribusiness developers planning a build. Do not see yours? Reach out directly and our team will give you a straight answer.
What is agricultural building financing?
Agricultural construction funding provides funds specifically for building or expanding farm structures such as barns, grain storage facilities, livestock housing, irrigation systems, and processing buildings. Unlike standard construction loans, these products are structured around agricultural cash flow cycles and the unique timeline of farm construction projects.
What types of structures can be financed through a construction loan?
Eligible structures typically include equipment storage buildings, feed lots, dairy facilities, poultry houses, grain bins, irrigation infrastructure, and farm worker housing. The specific eligible collateral and structure types will depend on the lender program selected for your operation.
What affects the cost of agricultural building financing?
Key factors include the total project cost, the type and intended use of the structure, your operation’s income history, existing equity in land or other assets, and current market interest rates. Loan term length and the draw schedule during construction also influence the overall financing cost.
How does the draw process work during construction?
It is typically disbursed in stages, known as draws, as project milestones are completed and verified. Each draw is reviewed to confirm the work is progressing according to the approved plan before additional funds are released, helping protect both the borrower and the lender throughout the build.
Can a construction loan convert to permanent financing after the build is complete?
Many agricultural construction loan programs offer a construction-to-permanent option, which allows the loan to roll into a long-term mortgage once the project is finished without requiring a full refinance. This can reduce closing costs and simplify the transition from the building phase to standard repayment. We confirm the specific conversion terms available to your project during the consultation process.