Retail Construction Development

Retail Construction Development

Express Capital Financing has funded several projects since the recent launch of its build-to-suit commercial lending program. ECF is looking to identify and build strategic partnerships across all areas of the build-to-suit business; including with landlords, developers, franchise industry players, strong credit tenants with expanding real estate needs and with institutional investors that seek stable low duration assets with strong cash flow and low-risk exit profiles.


Get preliminary approval within 24 hours. Simply complete the form using the link below, or call us at 718-285-0806:


Moving Quickly

In many cases with franchises, speed is essential. That’s why we offer a fast pre-qualification process, and make an effort to make the closing and commitments happen quickly. We want you to have the funds that you need when you need them, which is why we promise not to waste your time.

Practical Parameters

As an investment in the long term health of your franchise, our loans can have terms of up to 25 years. Our rates start at 6%, and out LTV ratios can be as high as 90%. With no penalties for pre-payment, these custom tailored loans are an excellent way to help your business grow and succeed.

Uses and Applications

Our programs are particularly useful for first time franchise owners, and can be used for many different business applications. Get a loan to help you complete a real estate purchase or fund new construction; you can also apply these funds towards equipment purchases, remodeling, or acquisition of new locations. You can even use the money as working capital. We also offer a refinancing program to help you consolidate your debt.

Typical Terms


Loan Type Ground-up construction or retrofit of existing structures
Minimum 10-year NNN lease executed pre-close
All direct project costs including land and soft costs included
Single tenant projects with strong credit preferred
Only strong national credit tenants considered for multi tenant projects
Loan Amount $2,000,000 to $100,000,000
Maximum Loan to Project Cost (incl. Financing) 80%-100%
Maximum Stabilized LTV 75%
Reserves (as required) Interest/Tax/Insurance/Construction
Loan Term 12-36 months
Typical Origination/Exit Fees 2%+
Prepayment Open Prepay with Minimum Interest
Loan Guaranty
  • Non Recourse with Completion Guaranty. Surety Bond may be required
Minimum Guarantor FICO 640
Minimum Guarantor Liquidity/Net Worth 15%/100% of Loan Size
Guarantor Bankruptcy/Foreclosures None in last 5 Years



Get preliminary approval within 24 hours.
Click the button and fill out our form, or give us call us at 718-285-0806