Commercial Roofing

Finances are often the foremost concern when embarking on a new construction project. Financing commercial construction projects can be complex due to their scale and the significant capital required. Fortunately, our team of professionals is equipped to help you finance your necessary projects. Various financing options are available, each with its advantages and considerations. We work with different financial institutions and partners to help make the financing process more manageable, and they have solutions for all credit profiles.


TSpark Financing Options

At TSpark Enterprises, we strive to make the financing process as convenient as possible for you. We offer 0% APR Construction Financing options for those who qualify. Additionally, we have partnered with First Commerce Credit Union, where you can easily apply online. We also work with the City of Tallahassee Energy Star Loan Program, which provides energy-efficient loans, and Green Sky Financing, which offers 0% APR from 6 to 60 months for homeowners and business owners. 


Here is a range of financing options for your commercial construction projects. We have you covered from traditional bank loans to government grants and subsidies. Each alternative has its own unique benefits and considerations, letting you choose the one that best suits your needs and resources.


Traditional Bank Loans

Commercial construction loans from banks are typically used for large-scale projects. They are usually short-term loans that cover the construction phase, with an option to convert to a long-term mortgage upon completion. This method offers competitive interest rates for qualified borrowers and the opportunity to establish a relationship with a bank that can help simplify the process overall. However, this method requires a pristine credit history with extensive documentation and approval processes.


Small Business Administration (SBA) Loans

SBA 504 and 7(a) loans are designed to help small businesses with construction projects. The government partially guarantees them, reducing the risk for lenders. These loans entail lower down payment requirements, longer repayment terms, and lower interest rates. However, the approval process is lengthy and involves paperwork and specific eligibility requirements. 


Commercial Mortgage-Backed Securities (CMBS)

CMBS loans are secured by a single commercial property, packaged into a pool with other commercial loans, and sold to investors. This method typically offers lower interest rates and non-recourse loans, so the borrower is not personally liable beyond the collateral. However, these loans are complex and costly to arrange, and there are more tightly bound terms and conditions to adhere to.


Private Equity and Investors

Private equity firms or individual investors can finance commercial construction projects in exchange for equity or a share of the profits. This gives you access to significant capital without debt and the opportunity to establish connections with knowledgeable investors. However, there is potential for conflicting interests between investors and project developers, creating a power complex.


Construction-to-Permanent Loans

This type of loan starts as a construction loan to cover the cost of building and then converts to a mortgage once the project is completed. It is a more simplified form of financial financing with a single closing process but requires detailed planning and potentially higher interest rates.


Joint Ventures

A joint venture involves partnering with another company or individual to share the construction project’s costs, risks, and rewards. This allows you to share the financial burdens and risks with another individual or party and combine resources. A challenge is coming to an explicit agreement and alignment of goals among the parties involved, which creates the risk of conflict and complications.



Real estate crowdfunding platforms allow multiple investors to pool their money to fund a construction project. This creates access to a large pool of investors with flexible investment amounts from various contributors, but attracting them may require much effort.


Government Grants and Subsidies

Various government programs offer grants and subsidies for specific construction projects, especially those that benefit the public or meet particular criteria (e.g., a green building, affordable housing, etc.). These funds are non-repayable, reduce overall project costs, and encourage the formation of projects with public environmental benefits. However, this is a highly competitive and stringent application process with specific usage restrictions and compliance requirements. 


There are numerous methods of effectively financing your construction project that can accommodate your unique needs and resources. If you have more questions or concerns about financing, please call (850) 766-1340 or email us at



TSpark Enterprises, headquartered in Tallahassee, Florida, offers a wide range of roofing and construction services in the North Florida and South Georgia areas. Visit our website or call (850) 766-1340 to get a free estimate and embark on your construction journey today!