Financing

Project Financing Options

We work with trusted lenders so the cost of a build-out can be spread over months or years, with pre-qualification in minutes.

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Paying For The Build

A build-out is a major investment, and paying out of pocket isn't always the right move. LNB partners with several lenders so clients can spread the cost over months or years at competitive rates, often with same-day pre-qualification and no impact on credit scores.

Financing through our partners is completely optional. You're welcome to use cash, your own bank, an SBA loan, a landlord's tenant improvement allowance, or any other arrangement. We never mark up the project for financed work, and you'll see the same itemized estimate either way.

Funded By A Bank Or A Landlord?

Most first-location owners are building on an SBA 7(a) or 504 loan, or against a landlord's tenant improvement allowance. Both release money in draws against documentation, and both are a different process to the partners below.

SBA-funded construction projects AIA billing, G702 and G703

Lending partners

Three Trusted Options

Each partner serves a slightly different need. Your project manager will help you find the right fit.

Personal loans up to $250,000. Soft credit pulls, fixed monthly payments, and funding in as little as one business day.

Loan amounts $1k to $250k
No prepayment penalties
Pre-qualify with a soft pull

Project financing built specifically for general contractor work. Pre-qualify online in minutes with flexible term options.

Terms 24 to 180 months
Reduced-interest promotional plans
Direct contractor disbursements

Promotional financing through participating contractors. Often used for mechanical work and major build-outs with deferred-interest promos.

Promotional 0% APR options
Apply on a phone or tablet
Decisions in seconds

Common Questions

Do I need to use your financing?

Not at all. Financing through our partners is purely optional. Many of our clients pay out of pocket, through an SBA loan, a landlord's tenant improvement allowance, or their own bank, and the project price is identical either way.

How does pre-qualification work?

You apply online through our partner's portal. They run a soft credit check, which has no impact on your score, and return an estimated rate and term within minutes. If you decide to proceed, you complete a full application with the lender directly.

What credit scores qualify?

Each lender has its own thresholds, but most of our partners can work with FICO scores starting around 600. Higher scores unlock lower rates and longer terms. Your project manager can point you to the partner most likely to be a fit.

Are there fees?

Some loan products charge an origination fee, typically 1 to 5 percent, and promotional 0% plans may have a fee that is disclosed before you sign. There are no hidden fees from LNB, we never mark up financed projects, and the lender's disclosures will lay everything out in plain language.

LNB Construction is a licensed general contractor, not a lender. We do not originate, underwrite, or service loans. All financing is provided by independent third-party lenders subject to credit approval and individual lender terms. Rates, terms, and approval are not guaranteed and are determined solely by the lender. Logos and partner names referenced on this page belong to their respective owners. Please review all loan documents carefully before signing.

Next step

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Send us the space and the brand standards. You'll get a walkthrough scheduled inside 48 hours and a real number. Not a range, not a “starting at.”

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No obligation. No pressure. If we're not the right builder for your project, we'll tell you on the call.

info@lnbconstruction.net