Commercial construction loans in Gresham finance ground-up projects, tenant improvements, and heavy equipment purchases when contractors demonstrate three years of bonding history, inject at least 10% project equity, and show an active backlog that proves capacity. Underwriters scrutinize payment histories with subcontractors, lien waivers on prior jobs, and whether your balance sheet can weather weather delays without missing payroll.
Construction projects east of the Portland metro carry longer timelines due to permit queues in Multnomah and Clackamas counties, so lenders demand proof that your working capital covers at least 90 days of operating expenses before the first draw disbursement. Gresham's industrial corridor along Marine Drive and the Troutdale Airport expansion have created steady commercial work, but underwriters still require a payment-and-performance bond or a completion guarantee tied to a licensed general contractor's license. If you've built tilt-up warehouses in Wood Village or retrofitted retail shells near Gresham Station, those completed projects become your strongest collateral narrative. We walk files through underwriting by front-loading job-cost breakdowns, architect's stamped plans, and a contractor's sworn statement that no mechanics' liens cloud the title.
Loan programs
SBA 7(a) loans cover owner-occupied commercial construction when the business occupies at least 51% of the finished square footage, while equipment financing funds excavators, cranes, and concrete pumps with the machinery itself as collateral. For speculative builds or flip projects, working capital lines bridge the gap between material invoices and progress payments. Commercial real estate loans in Gresham handle purchase-plus-improvement scenarios when you're buying an existing shell and adding a mezzanine or upgrading mechanical systems. Invoice factoring converts unpaid progress billings into same-week cash if a public-works contract in Troutdale or Fairview stretches payment terms to net-60. We also arrange equipment financing for dump trucks and loaders titled in Oregon, with buyouts structured around seasonal revenue dips every January and February.
We translate your project schedule and draw calendar into the risk language underwriters require, matching lender appetite to your bonding capacity and the municipality's inspection cadence. A typical Gresham scenario: a contractor who remodeled the Cascade Station retail pad needs $340,000 to pre-purchase steel for a Happy Valley self-storage project. We sourced a working-capital facility secured by the signed construction contract and a letter of intent from the property owner, closing in 11 business days because we included the engineer's soil report and the city's issued land-use permit up front.
Visit us at 831 NW Council Dr, Gresham, OR 97030 or call (971) 308-8698 to discuss your next project. We serve contractors across Gresham and surrounding areas, including Damascus, Boring, Clackamas, Corbett, and Barton.
Serving the Gresham area
We know which lenders fund which kinds of Gresham businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
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