Perfect for businesses needing to fund new construction or expand physical facilities. This loan is similar in terms to a commercial real estate loan, but with different down payment criteria and an interest-only construction period of 6 to 18 months. Perfect for businesses needing to fund new construction or expand physical facilities. This loan is similar in terms to a commercial real estate loan, but with different down payment criteria and an interest-only construction period of 6 to 18 months.