Imagine the excitement of watching your project come to life, from blueprints to the final touches. Commercial construction-to-permanent loans make this journey possible, combining the financing needed for construction with the stability of long-term funding. It’s a lifeline for developers taking on ambitious projects.

But finding the right lender? That’s where the stakes get high. The right choice can mean the difference between smooth progress and sleepless nights. Let’s explore some top players in the U.S. who excel at helping developers turn visions into realities.

Wells Fargo Commercial

Wells Fargo knows how to back big dreams. Whether it’s a sleek office building or a sprawling apartment complex, they’ve got the tools and expertise to handle it. Their construction-to-permanent loans package everything into one deal, keeping the process straightforward and stress-free.

What sets them apart is the personal touch. Their team of real estate pros doesn’t just approve loans—they work with you to craft a financial plan that fits your goals. Offering fixed and variable rates, plus flexible terms, Wells Fargo adapts to your project’s needs. With a national reach and a trusted reputation, they’re more than a lender. They’re a partner who can provide extra financial services to keep your entire operation running smoothly.

Chase Bank

Chase Bank doesn’t just throw money at projects—they invest in success. Covering up to 80% of costs with loans ranging from $500,000 to $25 million, they provide the muscle to tackle projects of nearly any size. Their process is all about simplicity. A dedicated relationship manager stays with you from start to finish, ensuring the journey is as smooth as possible. For developers worried about cash flow during the build, Chase’s interest-only payment option during construction is a lifesaver.

Their deep understanding of local markets, combined with a wide national presence, makes Chase a favorite for developers who value both expertise and convenience.

Bank of America

Bank of America brings more than just money to the table. They shine in supporting green building initiatives, rewarding eco-friendly projects with incentives that make sustainability even more appealing.

Their loans feature a single-closing process, saving you time and cutting down on fees. This efficiency, paired with a team of seasoned real estate professionals, ensures that your project gets the attention it deserves. For large-scale developments with an eye on the future, Bank of America stands out.

PNC Real Estate

PNC understands that every project has its quirks. Offering loans from $5 million to $50 million, they cater to a wide variety of needs, whether it’s a multifamily development or an industrial warehouse.

They don’t just stop at lending. With additional services like treasury management and capital markets solutions, PNC offers a full toolkit to help developers keep their projects on track. Their nationwide presence and experience in growing markets make them a go-to for ambitious builders.

U.S. Bank

U.S. Bank delivers the kind of flexibility that developers crave. With financing options reaching up to $50 million, they’re ready to handle everything from retail centers to large industrial spaces. Borrowers can even lock in long-term rates early, helping mitigate market risks during the construction phase.

Their team doesn’t just focus on the numbers—they guide clients through each step, offering expertise that’s especially valuable for those new to large-scale projects. For developers looking for a lender with national reach and local know-how, U.S. Bank is a solid pick.

Truist Bank

Truist Bank blends experience with a fresh approach, thanks to its SunTrust and BB&T roots. Their flexible loan terms cater to projects of all shapes and sizes, with loan amounts starting at $1 million.

While they have a strong presence in the Southeast and Mid-Atlantic, Truist serves clients nationwide. They bring regional market expertise to the table, which can make a big difference when navigating the challenges of local development.

KeyBank Real Estate Capital

KeyBank keeps things simple with their construction-to-permanent loans. This streamlined option eliminates the need for separate construction and permanent financing, saving borrowers time and effort.

Their reach spans the country, offering both national expertise and local insights. With added services like treasury management, KeyBank supports developers far beyond the loan process.

Citizens Bank

Citizens Bank specializes in creating loan packages that fit the unique goals of each developer. From multifamily housing to retail complexes, their experience covers the spectrum.

One of their strengths lies in their relationship-driven approach. Their team takes the time to understand your project inside and out, ensuring the loan structure supports your vision. With loan amounts ranging from $1 million to $50 million, they’re ready for projects of all sizes.

Fifth Third Bank

Fifth Third Bank focuses on making the process as smooth as possible. Their single-closing loans reduce paperwork, and their flexible draw schedules ensure you have access to funds when you need them most.

Covering a variety of property types, they offer competitive rates and repayment terms that adapt to your financial strategy. Their proactive monitoring during construction keeps everything on track, giving borrowers peace of mind.

Regions Bank

Regions Bank combines regional expertise with financial strength. Their real estate lending division specializes in commercial construction projects, offering competitive rates and tailored repayment plans.

Tech-savvy tools, like online loan tracking, add a layer of convenience, while their personalized service keeps borrowers informed every step of the way. Their strong presence in the Southeast makes them an excellent choice for developers in the region.

What Makes Construction-to-Permanent Loans Special?

These loans simplify life for developers. Interest-only payments during the build phase keep cash flow manageable, while the automatic shift to permanent financing ensures there’s no scramble for funding once construction wraps up. Rates can often be locked in at the start, giving borrowers some breathing room in an unpredictable market. For those juggling multiple moving parts, having everything bundled into one loan is a game-changer.

Where Do You Start?

The path to choosing a lender is rarely straightforward. Each project has its own demands, and finding the right partner means balancing experience, flexibility, and financial strength. Who’s ready to back your vision and help bring it to life?