61% of construction firms in the Miami Valley report that payment delays, not project demand, drive their financing needs. When your Dayton construction company faces the gap between material invoices, subcontractor payroll, and client draw schedules, a commercial construction loan in Dayton becomes the bridge that keeps crews working and projects on schedule.
Path one: Chase bank construction loans with rigid 20% equity requirements, fixed disbursement calendars that ignore weather delays on Dayton job sites, and underwriters three states away who've never heard of the I-675 corridor boom. Path two: Work with a licensed commercial-loan broker who matches your project, whether it's a ground-up Beavercreek warehouse, a Kettering retail retrofit, or a fleet of excavators, to lenders who write flexible terms around *your* draw schedule, collateral mix, and cash-flow reality.
Burnside Lending Group connects construction businesses across Montgomery County to construction loan for commercial property options that adapt when the job does.
What is a commercial construction loan? A commercial construction loan finances the build-out, renovation, or acquisition of income-producing property, or funds equipment and working capital for construction companies. Disbursements typically follow a draw schedule tied to project milestones rather than a single lump sum.
Which loan programs work for Dayton construction firms? SBA 7(a) loans cover ground-up builds and major renovations with up to 25-year amortization. Equipment financing secures dozers, excavators, and lifts. Invoice factoring turns unpaid progress invoices into immediate capital. Working capital lines bridge payroll between client payments on projects from Fairborn to Centerville.
How does construction financing differ from standard business loans? Construction financing for commercial property releases funds in stages as work progresses, protecting the lender and matching your actual spend. Appraisals use "as-completed" value. Underwriters evaluate project budgets, contractor experience, and pre-sold or pre-leased status, not just balance sheets.
Why use a broker instead of applying direct? Brokers submit your Dayton construction project to multiple construction financing companies simultaneously, comparing terms on disbursement flexibility, prepayment options, and collateral requirements. One application, multiple term sheets, zero lender bias.
Dayton's construction sector, anchored by Wright-Patt Air Force Base expansions, University of Dayton campus growth, and the Beavercreek retail corridor along North Fairfield Road, runs on progress billing. Subcontractors invoice you Tuesday; the owner pays you 45 days later. Material suppliers in Moraine demand net-15; your draw request sits in the architect's inbox. Small business construction loans solve the timing mismatch, but traditional banks often require personal guarantees that exceed the project value and freeze disbursements the moment a milestone slips by a week, even when an October rainstorm shut down your Huber Heights site for six days.
Local contractors also face equipment decisions: lease a crane for the Vandalia warehouse project or finance it outright? Construction machinery finance structures payments around utilization and resale value, not arbitrary five-year terms.
Loan programs
SBA 7(a) finances owner-occupied facilities, your new shop in West Carrollton or a mixed-use building where you occupy 51%. Loan amounts reach $5 million with 10- to 25-year terms, and the SBA guarantee lets lenders accept lower equity injections than conventional construction loans demand.
Equipment financing covers everything from Caterpillar excavators to Genie lifts, often requiring just 10-20% down and structuring payments seasonally if your work slows each January.
Invoice factoring advances 70-90% of your outstanding progress invoices within 48 hours, turning a $120,000 receivable from a Xenia industrial project into operating cash before the general contractor's net-60 clock expires.
Working capital lines of credit cover payroll, fuel, and small-tool purchases between draws, revolving as you pay down and draw again throughout the building season.
We gather your project budget, draw schedule, contract, and financial statements, then submit to construction loan company partners who underwrite based on the deal's specifics, not a one-size grid. A broker's advantage: if Lender A requires 25% equity but Lender B accepts equipment as additional collateral, you see both term sheets and choose the flexible option that keeps your Dayton project moving.
Because we're a broker, not a lender, we explain trade-offs, lower rates versus faster disbursements, personal guarantees versus higher costs, without steering you toward our own loan products. We also coordinate with your architect, general contractor, and title company so inspections and draw requests align with Montgomery County permitting timelines.
A local contractor secured a $1.8 million SBA 7(a) commercial construction loan to build a three-unit mixed-use building on East Dorothy Lane. The borrower occupied the anchor retail bay (satisfying SBA's 51% rule), leased the remaining two to a café and a dental practice, and pledged existing equipment as supplemental collateral. The lender released funds across seven draws tied to foundation, framing, MEP rough-in, exterior close-in, interior finish, CO issuance, and tenant improvements. When a supplier delay pushed the MEP milestone back three weeks, the broker negotiated a schedule amendment without triggering default provisions, and the project closed on time.
Serving the Dayton area
We know which lenders fund which kinds of Dayton 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.
