(909) 430-9104
Fontana, CA

Commercial Construction Loans in Fontana, CA

Contact UnderHill Credit with your project plans, construction budget, contractor information, and details about the property or business that will occupy the building. We'll review feasibility and connect you with lenders in our network who finance commercial construction throughout the Greater Los Angeles area.

Commercial Construction Loans in Fontana

Commercial Construction Loans finance ground-up builds, major renovations, and tenant improvements for Fontana businesses expanding along corridors like Sierra Avenue, Foothill Boulevard, and Valley Boulevard. UnderHill Credit connects you with lenders who structure deals around construction timelines, contractor draws, and the unique risks of building in the Greater Los Angeles market. One local conversation gives you a same-day read and offers compared across more than 20 lenders.

$50K–$5MTypical amount
2–8 weeksFunding speed
20+Lenders compared
$0Application fee
Commercial Construction Loans for Fontana, CA businessesUnderHill Credit logo

Real Fontana-area businesses, funded.

Programs

Programs that fit commercial construction loans in Fontana

For this industry we most often arrange SBA loans, commercial loan broker. Amounts and speed depend on the program, generally $50K–$5M with funding in 2–8 weeks.

We size the structure to your revenue and use of funds, so newer businesses and owners with thin credit still have real options here.

Fontana commercial construction loans business, fundedUnderHill Credit logo
Compare

How the programs behind commercial construction loans compare

How common Fontana programs compare
ProgramTypical amountFunding speedBest for
SBA Loans$50K–$5M2–8 weeksLow-rate, long-term SBA 7(a), Express & 504 financing.
Commercial Loan Broker$50K–$10MvariesBrokerage for larger commercial deals.
SBA 7(a) Loan$50K–$5M3–8 weeksThe flexible SBA workhorse for growth and acquisition.
Who this fits

Is commercial construction loans right for your business?

This likely fits you if

  • You are opening or expanding a location
  • You need to replace or add equipment
  • Seasonal swings strain your cash flow
  • You are newer or have thin credit
  • You want to compare many lenders in one call
  • You need a fast, same-day answer
How it works

How funding works

Funding your business in Fontana is straightforward with a local broker in your corner and more than 20 lenders behind you.

1

Tell us about your business

A short call or form covers your revenue, time in business, and what the funds are for. No hard credit pull to start.

2

We match the program

We compare more than 20 lenders and structure the offers that genuinely fit how your business earns.

3

Compare real offers

See amounts, rates, and terms side by side, with the true cost of each option spelled out plainly.

4

Close and get funded

Choose the offer you want and we guide you through closing, then the funds land in your account.

Funding Fontana businesses

A manufacturing supplier near Valley Boulevard recently used this program to finance a 15 thousand square foot addition to an existing facility, adding production capacity to serve contracts with California Steel Industries and other local clients. A retail operator on Sierra Avenue secured construction financing to gut-renovate a former big-box space into a multi-tenant retail center, tapping into Fontana's growing consumer base.

Market context

Business funding in Fontana, by the numbers

  • Most firms applying for financing seek $100K or less, per the Fed's Small Business Credit Survey. (Federal Reserve)
  • The U.S. is home to more than 33 million small businesses. (SBA Office of Advocacy)

Reviewed July 2026 · figures link to primary sources.

FAQ

Common questions

Straight answers to what Fontana owners ask most, from a local broker.

Contact UnderHill Credit with your project plans, construction budget, contractor information, and details about the property or business that will occupy the building. We'll review feasibility and connect you with lenders in our network who finance commercial construction throughout the Greater Los Angeles area.

Loan amounts depend on total project cost, land value, and your equity contribution. Many lenders finance 70 to 80 percent of the project budget, so a million-dollar build might require 200 to 300 thousand in equity, though terms vary by lender and project type in Fontana.

Funding timelines vary significantly. Expect two to three months from application to first draw, accounting for appraisals, environmental reviews, permit verification, and lender underwriting. Draws release as construction milestones are met, so total funding spans the duration of your build schedule.

Credit requirements are typically stricter for construction loans than other commercial products. Lenders look for strong personal credit, construction or development experience, and solid financials, though revenue-generating businesses in Fontana with weaker credit can sometimes offset that with higher equity contributions.

Collateral is the property being built or improved, and lenders record a first-position deed of trust. Many also require a personal guarantee from the borrower and may ask for additional collateral or cross-collateralization if the project is higher-risk or the equity position is thin.

Document requirements include architectural plans, contractor bids and licenses, a detailed construction budget and timeline, recent personal and business tax returns, bank statements, proof of property ownership or purchase contract, and a project pro forma. Lenders also order third-party appraisals and environmental reports before closing.

Ready for your next step toward Fontana funding?

Apply in minutes or call now for a same-day read, with no application fee and no hard credit pull to see your options.

~24 hrsWorking-capital speed
20+Lenders compared
$0Application fee
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