developer & construction finance

The below represents some of the most common forms of real estate finance used across development, acquisition, and portfolio management. Each plays a distinct role depending on project risk, asset maturity, capital needs, and execution speed—and in practice, many projects combine multiple financing types to optimize cost of capital, flexibility, and risk allocation.

Commercial Banks

  • Term loans & refinancing

  • Portfolio-level facilities

Used for:
Ground-up development, major renovations, stabilized assets

Private Credit & Infrastructure Funds

  • Senior and mezzanine capital

  • Structured real estate debt

Used for: Complex projects, faster execution, higher leverage tolerance core part of the process.

Sale-Leaseback & Asset Monetization

  • Operating assets with strong tenants

Used for: Capital recycling, Balance sheet optimization, Development equity

  • Development equity

  • Joint ventures

  • Platform investments

Used for: New markets, portfolio growth, risk-sharing

Strategic & Institutional Equity

Do commercial bank offer green, social or other specialty financing?

While commercial banks can offer access to incentivized and program-based financing, these products are rarely a core part of their business model. As a result, many bankers may not be fully aware of the full range of options their institution can support, and the responsibility for researching, identifying, and assembling applicable programs ultimately sits with the borrower.