If you’re an experienced developer with 3+ completed projects under your belt, you already know that success in real estate comes down to timing, execution, and the right financing.
For business entities like LLCs and corporations, the $750K–$2M construction loan range hits the bullseye: it’s big enough to scale serious projects, but nimble enough to close fast and keep you in control.
In this guide, we break down exactly why this loan tier works so well for mid-market development, what lenders like Marquee Funding Group look for, and how to qualify with speed and confidence.
If you’re ready to level up from small flips and avoid institutional red tape, you’re in the right place.
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Why the $750K–$2M range works so well
For experienced developers operating through business entities, this loan range delivers the perfect balance of capital, speed, and scale.
Here’s why seasoned borrowers increasingly aim for this sweet spot:
1. Aligns with mid-market project costs
Most mid-tier development projects—think luxury ADUs, infill spec homes, 2-4 unit multifamily builds, or major renovations in core California markets—fall naturally into the $750K–$2M budget.
This loan range allows developers to:
- Fully fund vertical construction or heavy rehabs
- Maintain control without bringing in equity partners too early
- Operate within urban zoning limits that restrict larger builds
- Respond to high-demand neighborhoods where lot prices and labor costs are rising
2. High enough for leverage, low enough for speed
Loans in this range offer better terms than lower-value flips yet are nimble enough to close within a few weeks.
Compared to institutional loans above $3M, this range typically features:
- Fewer layers of underwriting
- Faster appraisals and draw approvals
- Lower third-party report requirements
- Less legal and compliance overhead
This makes the mid-market tier a sweet spot for serious developers who need capital now—not six weeks from now.
3. Strong ROI Zone
Projects in the $1M–$2M exit value range often provide some of the most compelling profit margins.
Developers can:
- Keep more equity post-exit
- Reduce the risk of long market exposure
- Operate in fast-moving resale segments (Los Angeles, Bay Area, San Diego)
- Create portfolio-worthy rental or resale products that appeal to both buyers and institutional buyers
Who qualifies for $750K–$2M construction loans?
Not every borrower qualifies for this mid-market financing tier.
Lenders like Marquee Funding Group apply strict filters to ensure loans go to borrowers with both experience and business infrastructure.
Typical minimum requirements
- Borrower type: Business entities only (LLC, Corporation, LP)
- Experience: At least 3 completed development projects
- Credit: 660+ FICO
- Liquidity: 6 months reserves + 10% of construction budget in cash
- Location: Urban core or strong MSA markets
- Loan purpose: Ground-up, heavy rehab, infill development (non-owner occupied)
Borrowers should also be prepared to show they have the right builder relationships and that project timelines are well-defined.
Construction delays are one of the most common causes of cost overruns. Lenders want to see that you’ve built a team you can trust.
Typical use cases in the $750K–$2M range
To show how this loan range aligns with real-world development strategies, here are three illustrative scenarios based on common project types we see from experienced business entity borrowers.
1. Infill spec home in Los Angeles ($1.3M loan)
An LLC developer with five successful flips transitions to a new-build spec project in a gentrifying LA neighborhood.
They need $1.3M for land payoff, permits, and full vertical build. By staying within the mid-market range, they avoid outside equity dilution and maintain full control over design and disposition.
2. Major renovation + ADU in Oakland ($950K loan)
A seasoned Bay Area development firm acquires a distressed duplex and plans to fully renovate the main structure while adding a legal 2-bed ADU in the back.
Total loan: $950K. The rental income from the ADU offsets holding costs, and the improved NOI boosts appraised value post-renovation.
3. Ground-up duplex in San Diego ($1.7M loan)
A local developer builds two side-by-side 3BR units as a long-term rental hold.
The construction loan covers acquisition and 100% of hard costs. With rising demand in coastal markets, the developer can refinance into permanent debt or sell individually as condos.
$750K construction loan requirements: what lenders expect
Marquee underwrites based on project performance, not personal income.
That means your business track record, entity structure, and project feasibility carry the most weight.
Key documentation
- Entity docs (Articles of Organization, Operating Agreement)
- List of past projects (with photos, exit prices, ROI)
- Detailed budget and scope of work
- Construction timeline with milestone draws
- Licensed general contractor agreement
- Appraisal (As-Is and As-Completed)
- Title and preliminary report
- Certificate of insurance and builder’s risk coverage
Underwriting priorities
- Is the borrower a proven developer?
- Is the entity clean and well-documented?
- Does the budget align with market comps?
- Is the GC qualified and licensed?
- Will the project appraise as expected?
Organizing your past project history and GC credentials in a clean package can cut underwriting time by days.
Borrowers should also be ready to articulate their exit strategy—whether it’s resale, refinance, or hold. Lenders want to know you have a plan.
Advantages over lower or higher loan tiers
This loan tier offers a distinct edge by striking a balance between accessibility and professional scale.
Here’s how it stacks up when compared to smaller and larger loan categories:
Compared to sub-$500K loans
- Larger projects attract higher-quality comps and better resale value
- Less competition from first-time investors
- Easier to amortize soft costs (legal, survey, title, etc.)
- Supports multi-unit or multi-phase construction with better capital efficiency
Compared to $3M+ loans
- No institutional-level draw bureaucracy
- Lower third-party costs
- Faster funding timelines
- Still qualifies for personalized service and flexibility
- Lower legal burden—fewer guarantees, less red tape
This mid-market tier delivers efficiency without compromise—leading naturally into Marquee’s tailored approach for experienced business entity developers.
The Marquee advantage: developer-friendly mid-market loans
Marquee Funding specializes in business entity construction loans for experienced developers, offering:
- $750K–$5M loan range
- Fast closings (10–21 days typical)
- Customized draw schedules
- California-centric market knowledge
- No owner-occupied, no beginner flippers
- In-house underwriting and decision-making
Marquee understands the real challenges developers face—tight timelines, permit delays, budget changes—and tailors its programs accordingly.
Borrowers deal directly with decision-makers, not call centers. This means you’re not competing with consumer borrowers or institutional hedge funds—you’re in a league built for professional developers.
Final thoughts: build bigger, smarter
Mid-market construction loans in the $750K–$2M range unlock the right mix of funding, flexibility, and scale.
These loans are large enough to elevate your portfolio and small enough to close quickly, with underwriting designed around your experience—not your W-2.
You’ve outgrown entry-level lending—but you don’t need Wall Street, either.
Ready to secure your next $1M+ loan? Apply with Marquee Funding Group now for a $750K–$2M construction loan tailored to your development business.