Need a commercial construction loan in McAllen to break ground on a new warehouse near the McAllen Foreign Trade Zone or finance heavy equipment for a border-corridor project? Goldview Lending Group brokers construction financing for contractors, developers, and trade businesses across McAllen, Pharr, Mission, Edinburg, and the Rio Grande Valley.
Cash advance
Construction firms in the Rio Grande Valley juggle retainage holdbacks, seasonal labor costs, and the long lead times between winning a bid and receiving progress payments. Developers building retail centers along Tenth Street or industrial parks near McAllen Miller International Airport need capital before tenants sign leases. General contractors bidding on school-district projects in Sharyland or Edinburg ISD must front payroll, materials, and subcontractor deposits months before the first draw. Traditional banks hesitate when your balance sheet shows receivables instead of cash. A commercial construction loan bridges that gap by funding upfront costs, equipment purchases, and payroll until milestone invoices clear.
Loan programs
cover new-building construction, major renovations, and land acquisition. Terms stretch to 25 years for owner-occupied commercial real estate, lowering monthly payments while you stabilize cash flow.
1. Assess your project timeline: We map cash needs from permit approval through certificate of occupancy. 2. Match programs to phases: Early-stage land acquisition may need SBA 7(a); mid-project payroll gaps fit working capital; equipment upgrades suit chattel loans. 3. Prepare draw schedules: Lenders release construction funds in tranches tied to inspections; we organize your documentation so each draw clears quickly. 4. Coordinate with bonding agents: If your project requires performance bonds, we connect lenders familiar with bonded contractors. 5. Submit to multiple lenders: Our broker network includes national construction-financing companies and regional banks active in South Texas.
Visit Goldview Lending Group at 1800 S Main St, McAllen, TX 78503 or call (956) 634-5387 to discuss your project.
A McAllen framing subcontractor won three simultaneous contracts, two residential subdivisions in San Juan and a mixed-use project in downtown McAllen. The general contractor's payment schedule lagged 60 days behind labor costs. Goldview brokered a working capital line for payroll and an equipment-financing package for two new boom lifts and a telehandler. The contractor hired four additional crews, completed all three jobs on schedule, and retained enough profit to self-fund the next bid.
- [ ] Gather signed contracts, purchase orders, or letters of intent for upcoming projects. - [ ] Compile recent profit-and-loss statements and balance sheets (lenders want trailing twelve months). - [ ] List owned equipment, including year, make, model, and current market value. - [ ] Document any retainage receivables or outstanding invoices due within 90 days. - [ ] Obtain contractor's license, insurance certificates, and bonding capacity letters. - [ ] Prepare a simple draw schedule showing when you need funds and which milestones trigger each release. - [ ] Note any liens, judgments, or previous loan defaults that require explanation.
Serving the McAllen area
We know which lenders fund which kinds of McAllen 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.
