Georgia Commercial Real Estate Loans
Breaking ground on a clinic in Gwinnett, buying a shopping center off I-75, or refinancing a warehouse outside Savannah? We underwrite the real estate first. Georgia loans run from $100,000 to $100 million, with construction pricing from 9.5%, leverage to 85% of cost, and closings in as little as 10-20 days.
- Ground-up construction, purchase, bridge, and refinance loans for income property
- Up to 85% of cost and 75% of finished value on new builds
- Medical, retail, industrial, flex, storage, and mixed-use sites
- Smooth handling of erosion-control, floodplain, and coastal-marsh paperwork
- LLCs, developers, and foreign investors welcome in all 159 counties
- Tell us about the dealAddress, property type, price or land cost, and the total budget.
- Review your term sheetWe size the loan on cost, value, and expected rents.
- Close and start buildingDraw one funds fast; later draws follow each inspection.
What we finance
Property types across the Peach State
From Cobb County pad sites to coastal logistics yards, each deal is judged on its own numbers:
Retail Plazas & Pads
Grocery-anchored plazas, drive-thru pads, and neighborhood centers following new rooftops outside Atlanta, Savannah, and Augusta.Warehouse & Light Industrial
Cross-dock and last-mile buildings, truck yards, and flex parks along I-75, I-85, I-16, and the coast.Medical & Professional Office
Outpatient clinics, dental and specialty suites, and offices near hospital campuses and job centers.Mixed-Use Projects
Apartments over shops in town centers, BeltLine-style infill, and walkable districts near campuses and bases.How it works
Commercial lending in Georgia, explained
Commercial lending in Georgia starts with a simple question: what will this property earn, and what will it cost to get it there? A strip center in Cobb County, a storage campus near Macon, and a clinic in Gainesville are priced very differently, so we avoid a one-size loan. We study the budget, market rent, tenant story, and your track record, then match the structure to the plan.
On a ground-up job, money moves in stages. The first draw covers closing costs and early site work, and each later draw follows an inspection of finished work. Interest accrues only on dollars already advanced, which keeps early carrying costs modest. We lend up to 85 percent of total cost, including land, and up to 75 percent of the projected value once the building is complete. At the end of the term you can sell, refinance into permanent debt, or convert through a one-time-close structure.
Georgia adds a few wrinkles worth planning for. Land-disturbing projects need erosion and sedimentation controls, metro Atlanta sites near the Chattahoochee can trigger corridor protections, and coastal parcels near Savannah or Brunswick may touch marsh and flood rules. Georgia also uses security deeds and a notice-based lien process, so we line up title, notices, and waivers before the first draw rather than after a delay.
| Collateral | The land and building you are buying, refinancing, or constructing, secured by a security deed |
| Loan size | $100,000 to $100,000,000 |
| Leverage | Up to 85% of total cost and 75% of completed value |
| Construction terms | Interest-only, from 9.5%, 12 to 24 months, funded by inspected draws |
| Georgia checkpoints | EPD erosion permits, stormwater and floodplain review, river-corridor or marsh rules where they apply, notice and lien practice, and city or county land-disturbance approvals |
| Who can borrow | Individuals, LLCs, and development entities, including foreign nationals |
| Reach | All 159 counties, from the Atlanta suburbs to the Savannah coast and the North Georgia hills |
Loan programs
Four ways we can structure your deal
Choose the program that fits the stage your property is in:
Ground-Up Construction
Interest-only money for new commercial buildings, released as each phase of work is inspected.
Land Plus Build
Buy the parcel and fund the building together so you manage a single loan and a single closing.
Purchase & Bridge
Short-term capital for buildings that need lease-up, repairs, or repositioning before long-term financing.
Takeout & Refinance
Replace construction or bridge debt once the property is finished and leased, including one-time-close options.
Why build in Georgia
Reasons investors build instead of buy
- A deep, growing marketMetro Atlanta alone holds more than six million people, and other regions keep adding jobs, so retail, medical, and logistics space stay in steady need.
- Two global gatewaysHartsfield-Jackson Airport and the Port of Savannah move people and cargo at a scale few states match, keeping distribution and service space busy.
- Build to your own specA new building lets you choose the layout, loading, and systems tenants want, and your basis may beat the price of a stabilized asset.
- Local know-howCoastal marsh, river corridors, red-clay erosion, and 159 different county processes are priced into our review from day one.
Free tool
Build-cost and yield calculator
Plug in your own numbers to see total cost, loan size, equity, and interest carry, then compare projected income to what you will have invested. Interest assumes the balance averages half the loan over the build. Illustrative only.
Your project
Illustrative only; not a commitment to lend. Excludes permits, impact fees, insurance, reserves, and closing costs. Interest rate and NOI are example inputs, not a quote or a forecast.
The difference
CambridgeHomeLoan vs. a typical Georgia bank
Banks are a fine choice if you have a long relationship and time to wait. If you need speed and flexibility on a specific project, the contrast looks like this:
| Feature | CambridgeHomeLoan | Typical Georgia Bank |
|---|---|---|
| Approval based on | The project’s cost, value, and plan | Your relationship plus the project |
| Paperwork | Streamlined | Full financials and often deposits |
| Closing speed | 10-20 days possible | Frequently 45-90+ days |
| Draw speed | Usually 3-5 days | Often one to two weeks |
| Coastal & floodplain land | Underwritten as routine | Frequently limited |
| Exit path | In-house one-time-close | Usually a separate loan |
The bank column is a generic composite of commonly seen terms in 2026, not a description of any lender.
Markets we know
12 Georgia markets worth a close look
Georgia is two hundred miles wide in places and varies a great deal: a global airport, two working ports, military towns, and college communities. Here are twelve areas where commercial construction regularly pencils out, with rounded population figures and the institutions that anchor demand.
Atlanta
Atlanta is the engine of the state economy. Hartsfield-Jackson Airport, Coca-Cola, Delta, Georgia Tech, and Emory generate constant demand. Midtown and the BeltLine reward mixed-use and medical builds, while the airport and I-285 belt favor warehouses. Competition for good sites is intense, so a fast, certain closing helps you win them.
Savannah
Savannah pairs a historic downtown with the Garden City port terminal, one of the nation’s busiest for containers. Gulfstream, SCAD, and nearby Hyundai supplier activity widen the base. Expect warehouses, hotels, and mixed-use proposals, with elevation, marsh buffers, and flood insurance shaping the budget from the outset.
Augusta
Augusta runs on an Army cyber mission, Augusta University Health, and the yearly Masters crowd. Medical suites, restaurants, hotel-adjacent retail, and small flex buildings find tenants here. Parcels near the Savannah River need a hard look at flood status, but inland sites are straightforward.
Columbus
Columbus sits on the Chattahoochee beside a major Army installation and is the home base of Aflac and Global Payments. Soldiers, insurers, and hospital staff support clinics, grocery plazas, and service buildings, usually at a lower basis than metro Atlanta. Riverfront sites call for corridor and flood review.
Macon
Macon-Bibb County occupies a rare spot where two interstates cross in the center of the state. That geography feeds distribution space, while Mercer University, hospitals, and the pull of Robins Air Force Base sustain office and retail demand. It is a solid market for cost-conscious warehouse and flex builders.
Athens
The University of Georgia defines Athens, and its students, faculty, and medical center keep rents steady year round. Downtown apartments over shops, clinic buildings, and campus-edge services are the usual projects. Land costs less than inside the Perimeter, though local design review can lengthen schedules.
Alpharetta
Alpharetta built a reputation as a fintech and software hub along Georgia 400. Avalon, North Point, and well-paid commuters support polished retail, restaurants, and executive offices. Medical and wellness buildings do well here, but parcels are scarce, so entitlement strategy is as important as financing.
Sandy Springs
Sandy Springs is anchored by Perimeter Center, one of the Southeast’s largest office districts, along with UPS headquarters and major hospital campuses. Redevelopment of aging suburban property into medical, mixed-use, and hospitality is the main play, since vacant land is almost gone.
Marietta
Marietta offers a classic square, a Lockheed Martin plant, and easy reach of The Battery and Cumberland. Cobb County’s affluent households support flex space, urgent care, specialty retail, and townhome-adjacent commercial. Infill deals dominate, and neighborhood input often matters as much as zoning.
Gainesville
Gainesville thrives on poultry processing, Northeast Georgia Medical Center, and Lake Lanier recreation. An inland port tied to Savannah and highways toward Atlanta make it attractive for distribution as well as health-care buildings. Lake and creek frontage brings buffer and erosion rules into planning.
Valdosta
Valdosta serves a large rural trade area from I-75, with Valdosta State University, South Georgia Medical Center, and Moody Air Force Base as stable employers. Regional shopping, clinics, and truck-friendly commercial lots are common requests, typically with a modest cost basis.
Brunswick
Brunswick handles one of the country’s busiest auto and roll-on cargo ports and sits beside the Golden Isles resort area. Marine industrial, visitor services, and small medical projects are typical. Coastal Marshlands rules, wind exposure, and insurance should be settled before design is final.
Population figures are rounded estimates and may have changed. Employers and venues are named only for market context and imply no affiliation.
We lend statewide. If your city is not listed, call or apply and we will confirm.
Process
Three steps from inquiry to first draw
Share the details
Send the location, plans, budget, and whether you intend to sell, lease, or hold.
Review your terms
We weigh cost, projected value, and experience, then return a plain term sheet the same day.
Close and build
We close, fund draw one, and release later draws quickly as inspectors approve each stage.
Qualifying
What we look for on Georgia deals
| Equity | Often 15-20% of total cost, depending on your experience and the project |
| Credit | A 640+ score is typical, but the deal comes first and exceptions are considered |
| Income | Asset-based; personal income is not the deciding factor |
| Plans and approvals | Approved plans, zoning and land-disturbance approvals, permits (or in process), and floodplain, erosion-control, and stormwater paperwork where relevant |
| Borrower entity | Individual, LLC, or development company; foreign nationals eligible |
| Exit plan | Sale at completion or refinance into long-term debt |
Questions
Georgia commercial loan FAQ
What does a Georgia commercial real estate loan cover?
It funds property that earns income or houses a business: shopping centers, clinics, warehouses, flex buildings, storage, and mixed-use projects. We care most about the asset, meaning its price or budget, its rents, and your plan. The money can buy a building, refinance one, bridge a gap, or pay for a new build, anywhere in Georgia’s 159 counties.
How large can a construction loan be?
Amounts run from $100,000 to $100,000,000. We lend up to 85 percent of total cost and up to 75 percent of projected completed value, and the lower figure controls. Pricing begins at 9.5 percent, interest-only, for 12 to 24 months.
Can you finance coastal, floodplain, or river-corridor property?
Yes. Parcels near the Savannah and Brunswick coast, creeks, and the Chattahoochee are routine for us. We ask for the flood determination, elevation data, erosion and sedimentation permits, stormwater plans, and any marsh or river-corridor approvals. Your engineer has usually produced these already; we just need them in the file.
How do draws work during construction?
One draw funds at closing to start work. After that you request money as each stage wraps up, such as clearing, foundation, framing, and finishes. An inspector confirms the progress, and we usually release funds within three to five business days. You pay interest only on the amount drawn, and lien waivers follow Georgia’s notice-based process.
Can one loan cover the land and the building?
Yes. A combined land-plus-construction loan buys the lot and funds the vertical build in a single closing. If you already own the site, its value generally counts toward your equity requirement.
What happens once the building is complete?
After the certificate of occupancy you can sell and repay us, refinance into long-term commercial debt, or roll into a one-time-close loan that converts on its own. Many owners lease the space first so the permanent lender sees stabilized income.
Do you lend outside the cities listed here?
Yes. The twelve cities are examples of active markets, not boundaries. If your property is anywhere else in Georgia, call or apply and we will confirm the details.
Keep exploring
More investor loan options
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Commercial and construction loans are for business purposes and are not available for primary residences. Rates, points, leverage, terms, draw timing, and closing speed are illustrative, can change without notice, and depend on borrower, property, and project qualification and underwriting approval. Figures such as “from 9.5%” and “up to 85%” reflect the strongest profiles and are not a quote or commitment to lend. Completed values are estimates confirmed by appraisal. Calculator output is illustrative and excludes permits, impact fees, insurance, reserves, and closing costs. Population figures are approximate and may have changed. Employer and venue names describe local markets only and imply no endorsement. City descriptions are general observations, not investment advice. Comparison figures are generic composites. Illustrations are artwork. Borrowers should confirm building code, floodplain, erosion-control, coastal, stormwater, zoning, lien, and permitting requirements with licensed professionals. This page is informational and is not financial, legal, tax, or investment advice.