01
We Understand Project-Based Revenue
You incur costs upfront but get paid at milestones or completion. We structure funding that accounts for this reality, not generic retail assumptions.
Capital That Moves at Construction Speed
Construction businesses face financial challenges that traditional lenders struggle to understand. Project-based revenue, equipment costs, and the gap between work completed and payment received require funding designed specifically for contractors.
- Funding from $25,000 to $1,000,000
- Decisions in as little as 24 hours
- We understand project-based cash flow
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Funding Without the Bank Runaround
01
Quick Application
Share your trade, project history, monthly revenue, and what you need capital for. We speak contractor and understand your business model.
02
Fast Review
We assess your business with knowledge of project cycles, progress payments, and the realities of bidding and completing jobs.
03
Choose Your Terms
Review multiple funding offers with different structures. Pick what aligns with your project pipeline and cash flow needs.
04
Get Building
Funds arrive quickly—often within 24-48 hours. Purchase materials, make payroll, or bid on that bigger job.
Why Contractors and Construction Companies Choose Us
Capital Designed for How Contractors Actually Operate
Whether you need to finance a new excavator, stock materials for a big project, or simply cover payroll until the next progress payment, we have solutions built for construction businesses.
Construction companies face unique financial pressures that most lenders do not understand. You buy materials before you get paid. Equipment breaks at the worst times. Seasonal weather creates revenue gaps. We have spent years learning the construction industry so we can provide capital that actually works for project-based businesses with variable cash flow.
Construction Business Funding at a Glance
We offer multiple products to address different contractor needs. Some need equipment financing with extended terms. Others need short-term working capital for specific projects. Many use a combination as their business grows and takes on larger jobs.
Most contractors qualify for multiple products. Your funding advisor will help compare options and recommend the best approach for your situation.
- Loan Amounts
- $25,000 to $1,000,000
- Rates
- Starting at 1% monthly
- Terms
- 3 months to 5 years
- Speed
- 24 hours to 7 business days
Financing Options for Construction Businesses
Different situations call for different solutions. Here are the products contractors use most frequently.
- Invoice Factoring for Progress PaymentsTurn your completed work and approved invoices into immediate cash. Stop waiting 30-90 days for payment while materials and labor costs pile up.
- Heavy Equipment FinancingFinance excavators, bulldozers, trucks, cranes, and specialty equipment. The machinery serves as collateral, preserving your working capital for operations.
- Working Capital for ProjectsCover materials, labor, and subcontractor costs before progress payments arrive. Designed for the cash flow cycles of project-based businesses.
- Business Line of CreditA revolving credit facility you can draw from as opportunities arise. Bid on bigger jobs, stock materials, or handle unexpected costs.
- Revenue-Based FinancingFunding based on your gross revenue with payments that flex monthly. Handles seasonal variation naturally—busier months mean larger payments.
How Credit Affects Construction Business Financing
Your personal credit score is one factor, but not the only one. We evaluate the complete picture: project history, current contracts, accounts receivable, equipment assets, and overall business performance.
- Active contracts and project pipeline matter significantly
- Strong revenue history improves all funding options
- Equipment equity can serve as additional collateral
- Consistent bank deposits demonstrate operational stability
Good news
Contractors with credit scores in the 500s regularly qualify for funding when they demonstrate solid project history and reliable revenue. Your business performance often tells the real story.
Strong Credit Profile
Access to lowest rates, longest terms, highest amounts
760Score
Challenged Credit
Multiple options available based on business performance
502Score
Construction Industry Funding Insights
60-90
average days between completing work and receiving payment. Our funding bridges this gap so you can keep crews working and projects moving.
Source: Construction Financial Management Association
75%
of construction companies use some form of external financing. Capital is a normal, strategic part of contractor operations and growth.
Source: Associated Builders and Contractors
$50K+
average equipment purchase that contractors finance rather than pay cash. Preserving working capital while accessing necessary equipment is smart strategy.
Source: Equipment Leasing and Finance Association
Evaluating Construction Business Financing
Pros
- Bridge cash flow gaps between project milestones
- Purchase or finance essential equipment
- Bid on larger projects with capital backing
- Stock materials ahead of project starts
- Cover payroll during seasonal slowdowns
- Build credit history for better future terms
Cons
- Financing costs reduce overall project margin
- Some products require frequent payments
- Personal guarantees may be required
- Fast funding options typically cost more than traditional bank loans
Compare Construction Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Invoice Factoring | $25K to $500K | 1% to 4% per invoice | 24 to 48 hours |
| Equipment Financing | $25K to $5M | 6% to 18% APR | 3 to 7 days |
| Working Capital Loan | $25K to $500K | 1% to 3% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
Construction Business Qualification Requirements
- Monthly Revenue
- $15K+
- Credit Score
- 500+
- Time in Business
- 6+ months
Get Funding for Your Construction Business
Apply today and receive funding decisions quickly. Our team understands construction financing and the unique needs of contractors.
Start Your ApplicationStep 1: Apply Online
Complete a short application about your business, including your trade, monthly revenue, project pipeline, and funding needs.
Step 2: Submit Documents
Upload recent bank statements and basic business information. We review them with an understanding of construction revenue patterns.
Step 3: Get Funded
Review your offers, choose the best fit, and receive funds. Most contractors get funded within 24 to 48 hours.
Construction Funding Products
Explore specific financing options available for your construction business.
Related Industries We Fund
We also specialize in financing for these related industries.
FAQs
Construction Business Financing Questions
We fund general contractors, specialty subcontractors, HVAC companies, electrical contractors, plumbers, roofers, concrete contractors, landscapers, painters, and all other construction-related businesses.
Yes, we provide capital specifically for project needs—materials, labor, subcontractors, equipment rentals. Bridge the gap between starting work and receiving progress payments.
We finance excavators, bulldozers, trucks, cranes, skid steers, and all types of construction equipment. The equipment serves as collateral, often enabling competitive rates.
Absolutely. We understand that weather affects many construction businesses. Our products can be structured to account for seasonal revenue fluctuations.
In many cases, yes. We evaluate your total debt and ability to service new funding. Many contractors have multiple funding sources at different stages of growth.
Better working capital management and established credit history can actually improve your bonding capacity over time, enabling you to bid on larger projects.
Many contractors receive decisions within 24 hours and funding within 24-48 hours. Equipment financing takes longer, typically 1-4 weeks.
Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership. Larger amounts require additional documentation.
Ready to Build Your Business?
Whether you need equipment, project funding, or working capital, our team specializes in construction financing and understands contractor needs.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score