Looking for a commercial construction loan in Savannah? Aldergate Loans brokers construction financing for general contractors, specialty trades, and developers across Savannah, Pooler, Port Wentworth, and the Islands.
Construction companies operating between the Historic District's adaptive-reuse projects and the industrial corridor along Jimmy DeLoach Parkway face documentation hurdles most lenders don't understand. Your revenue swings with bid cycles, material costs climb faster than draw schedules allow, and retainage ties up cash for months after you've paid subcontractors and suppliers. Traditional banks see seasonal income gaps and hesitate; we see the reality of commercial construction financing in a port city where warehouse builds in Garden City and mixed-use developments on Whitemarsh Island create lumpy cash flow by design. Aldergate Loans organizes your job-cost reports, bonding capacity letters, and contract pipelines into packages that funding sources actually approve.
Loan programs
Loans for construction companies rarely fit a single mold. A mechanical contractor upgrading a fleet needs equipment financing for excavators or boom lifts, while a framing crew chasing the residential-to-commercial conversion boom in Pooler may need working capital to bridge the gap between material purchase and progress payments. Developers breaking ground on spec warehouses near the Interstate 16 interchange often pursue SBA 7(a) loans that cover land acquisition, site work, and vertical construction under one note. We also broker business lines of credit that float payroll during permitting delays and invoice factoring when a general contractor holds your payment sixty days past substantial completion.
We know you carry job files in your truck, not a filing cabinet. Our documentation-made-simple process starts with a conversation at our office at 512-514 Martin Luther King Jr Blvd, Savannah, GA 31401, where we map your current backlog, upcoming bids, and equipment needs. We translate your AIA G702 continuation sheets and schedule-of-values spreadsheets into the narrative lenders require, then match you with funding sources that understand construction small business loans. Instead of chasing you for the same documents twice, we build one master file and syndicate it to multiple programs simultaneously.
Last spring, a mechanical contractor based in Georgetown won a design-build HVAC contract for a cold-storage expansion at a seafood processor near Thunderbolt. The thirty-day material lead time and net-sixty payment terms created a cash crunch that would have forced him to turn down the job. We arranged a working capital line within two weeks, using his bonding capacity and contract as collateral. He purchased the refrigeration units, completed the install, and repaid the line when the owner released final payment. No missed opportunity, no vendor financing at twenty percent, just clean construction business loans that matched his project calendar.
Construction financing companies that lend directly offer one menu. As brokers, we present your scenario to regional banks, SBA-preferred lenders, equipment lessors, and alternative funders who specialize in contractor cash flow. If your profit-and-loss statement shows a dip because you pre-bought steel before tariffs hit, we explain that context instead of letting an algorithm decline you. When a lender asks for three years of financials but you only formed your LLC eighteen months ago, we pivot to programs that weigh contract backlog over history. Brokers turn documentation obstacles into funding pathways.
Reach Aldergate Loans at (912) 445-8262 to discuss your next build, equipment purchase, or working-capital need across Savannah and the surrounding service areas.
Serving the Savannah area
We know which lenders fund which kinds of Savannah businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
