Structuring a Construction Loan

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Intermediate level

Approx 2.5 to complete

100% online and self-paced


From $497.00
Self-Study Commercial Banking & Credit Analyst (CBCA)™
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From $847.00
Full Immersion Commercial Banking & Credit Analyst (CBCA)™
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Structuring a Construction Loan Course Overview

This Structuring a Construction Loan course dives into the factors that affect the structure of a loan for construction and real estate development. In this course, we break down the line items of a construction budget and proforma. We then look at how to calculate the interest expense and maximum loan amount on the construction loan by examining the timing of spend of different line items from the construction budget.

We also examine quantitative and qualitative terms in the term sheet and how they affect the structure of the construction loan. Finally, this course builds out different construction development scenarios and looks at how loan repayment works in all these scenarios.

Structuring a Construction Loan Learning Objectives

Upon completing this course, you will be able to:

  • Understand the line items in a developer’s budget and derive a risk-assessed loan-to-cost
  • Review development and construction cash flows to calculate interest and financing fee values and funding mechanisms
  • Determine how the price of debt ties into the budget and project evaluation
  • Appreciate how qualitative loan terms can impact loan-to-cost and interest rates
  • Calculate various take-out scenarios
  • Examine how mezzanine debt and promote structures may fit into the total project assessment

Structuring a Construction Loan is an Elective Course of CFI's CBCA® Program

CFI's Certified Banking & Credit Analyst (CBCA)® Program offers skills including credit evaluation, documentation, and review procedures. For beginners to advanced users, the CBCA® program is designed to help you become a world-class credit analyst.

Who Should Take This CBCA® Course?

This Structuring a Construction Loan course is designed for current and aspiring Commercial Banking professionals working in the construction and real estate development industry. This course is also a great resource for real estate analysts and commercial mortgage brokers who wish to deepen their understanding of how construction loans are structured. By diving deeper into the lender’s perspective when structuring a loan, this course provides valuable insights for lenders, as well as brokers and advisors.

Get the course in a bundle

Structuring a Construction Loan is part of the Commercial Banking & Credit Analyst (CBCA)™ certification, which includes 34 courses.

Commercial Banking & Credit Analyst (CBCA)™ Certification
Starts at $497
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  • All 34 CBCA™ courses
  • Skills Learned Credit Analysis and Documentation, Risk Mitigation, Writing
  • Career Prep Rating Agencies, Insurance, Commercial Lending

Path To Certification

Prep Courses

6 courses from beginner to intermediate level.


Core Courses

15 courses from beginner to intermediate level.


Elective Courses

9 courses in advanced and intermediate levels.


Get Certified

Submit your CBCA™ checklist and order your certificate.

CBCA Certificate 04Required

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How the Certification Works

Commercial Banking & Credit Analyst (CBCA)™ courses are offered 100% online, allowing you the flexibility to start the Commercial Banking & Credit Analyst (CBCA)™ program anytime and learn when it’s most convenient for you.
Students must complete all core and elective courses (18 in total) and demonstrate mastery of the topics through successful completion of course materials, quizzes, and assessments.
Within 48 hours of program completion, your Blockchain Verified (CBCA)™ Certification will be emailed to you.

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