Commercial Construction Loans in Lumpkin County GA — Fast, Flexible, Built for Investors
Same-day soft terms, 7–10 day closings, milestone-based draws. We underwrite the project and exit, not your personal income.
Commercial Property Construction in Lumpkin County
Launch, expand, or reposition your commercial property in Dahlonega, Auraria, Murrayville (30533, 30534, 30564) with investor-friendly financing and a draw process that keeps subs moving. CheapLOI.com helps developers, investors, and owner-users (business-purpose entities) fund ground-up builds and tenant improvements (TI) / build-outs—without bank delays.
- Close in 7–10 days
- Flexible milestone draws with quick inspections
- No tax returns or W-2s (asset & project based)
Experienced with North Georgia permitting, well/septic and access issues, and rural title items
PROGRAM OVERVIEW
Feature | CheapLOI.com Commercial Construction |
Loan Amount | $250,000 – $10,000,000+ |
Leverage | Up to 80–85% LTC (project cost) |
Max “As-Stabilized” | Up to 70–75% of completed value |
Term | 12–24 months (extensions available) |
Interest | Interest-only during build |
Draws | Milestone-based; quick inspections & wires |
Close Time | 7–10 days typical |
Income Docs | No tax returns/W-2s |
Borrowers | Investors, Developers, LLCs, Corps |
Pre-Lease | Helpful; not always required (market specific) |
How to Qualify
- Site readiness (zoning, access, utilities)
- Budget & timeline with TI breakdown (if applicable)
- Exit strategy (stabilization + DSCR/perm take-out or sale)
- Sponsor capability (experience preferred; strong GC helps)
You’ll provide:
- Site plan / basic drawings or architectural set (if available)
- Detailed budget with contingency (5–10%)
- Draw schedule (foundation, shell, MEP rough-in, dry-in, TI milestones, CO)
- Land status: owned or purchase contract
Property Types Eligible
- Retail: inline shops, outparcels, convenience use (zoning dependent)
- Office / Medical Office: professional suites, dental/clinic build-outs
- Industrial / Flex: light industrial, warehouse, flex condos
- Hospitality micro-use: boutique lodging or cabins (zoning & STR compliance required)
- Mixed-Use (select): street-level retail with residential above (case-by-case)
Loan Program Summary
- Experience: CheapLOI.com has funded 1,000+ real estate investment projects across Georgia
- Expertise: Asset-based commercial construction underwriting and investor-oriented draw management
- Authoritativeness: Georgia title/closing fluency, private lender best practices
- Trust: Transparent pricing, privacy-first intake, licensed loan officers, clear terms
How It Work
Submit Your Deal
Term Sheet & Close
Draws & Delivery
Banks vs. Private Loans
Close in 7–10 days
Distressed property support
Same-day soft terms
No Income Docs Required
Local Expertise in county
Dahlonega benefits from strong tourism, the University of North Georgia, and steady medical and hospitality demand. We understand the county’s permitting and inspection process, driveway and parking requirements, and the well/septic and setback considerations common on rural tracts. Weather windows often impact slab work, roofing, and exterior progress, and rural parcels may involve easements or private road issues. Local landmarks like the Dahlonega Gold Museum and the historic square help support visibility and tenant demand narratives.
FAQs
Most commercial construction loans close in 7–10 business days with same-day soft terms.
No. Underwriting is asset- and project-based; we do not require tax returns or W-2s.
Retail, office/medical, light industrial/flex, select hospitality micro-uses, and select mixed-use (case-by-case). Owner-occupied primary residences are not eligible.
We fund milestone-based draws after quick inspections, wiring funds promptly to keep trades on schedule.
Ready to Get Funding?
Bridge loans allow you to move fast and win more deals. Apply now for fast approval Or call: (800) 664-7505. We are Serving real estate investors across County and throughout Georgia.