Construction
Business Loans
& Financing
Last updated: July 2026
We provide business financing to residential and commercial construction companies, from working capital and equipment to payroll and materials financing, structured around how construction businesses actually operate.
Financing at a Glance
We Understand How Construction Works
Project-based revenue, delayed payments, equipment costs, and crew payroll. Construction has a cash flow structure unlike most industries. We build financing around that reality.
Project-Based Cash Flow Is Normal to Us
Construction revenue does not flow in evenly: it comes in milestone payments, retainage, and lump sums. We factor your real revenue patterns into our underwriting, not just a monthly average.
Equipment Financing Is a Core Product
Heavy machinery, vehicles, and specialized tools are essential to construction operations. We offer dedicated equipment financing so you can acquire what you need without draining working capital.
Payroll Support Between Projects
Keeping your skilled crew together between contracts is critical. We provide the bridge capital to cover payroll and operations while your next project ramps up or payment clears.
No Restrictions on Fund Use
Whether it's materials, insurance, subcontractor payments, equipment repair, or expansion. Once funded, you deploy the capital wherever it's needed most.
Getting Funded Is Simple
Apply Online in Minutes
Submit a quick application. A Capital Advisor will connect with you to discuss your construction business, your current projects, and what you need the capital to accomplish.
Get a Decision
Your advisor reviews your business, revenue, project pipeline, and overall health, then presents a financing offer structured to fit your cash flow and timing. Often same-day.
Access Your Funds
Receive funds as fast as 24 hours after accepting your offer. Keep crews on the job, secure materials, and maintain momentum without waiting on slow payment cycles.
How to Use a Construction Business Loan
From cash flow gaps to equipment and materials, construction financing covers the full range of what your business needs to keep projects moving.
Bridge Cash Flow Between Projects
Construction businesses often face delays between project milestones and payment. Working capital loans help you cover payroll, overhead, and operating costs while you wait for payment from clients or GCs.
Purchase & Finance Equipment
From excavators and lifts to trucks and specialized tools, equipment financing keeps your crews equipped without tying up working capital in large upfront purchases.
Stock Materials & Supplies
Secure materials in bulk to avoid delays and lock in pricing. Use business capital to ensure you always have the supplies you need to keep projects moving on schedule.
Financing Options for Construction
Not every construction financing need is the same. Explore our products to find the right structure for your situation.
Small Business Loan
Lump-sum working capital with flexible repayment. Best for general operating needs, payroll, and growth opportunities.
Learn MoreRevenue Advance
Upfront capital repaid as a percentage of daily revenue. Ideal for construction businesses with variable, project-based income.
Learn MoreEquipment Financing
Purpose-built financing for machinery, vehicles, and tools. Own the equipment outright while preserving working capital.
Learn MoreLine of Credit
Revolving access to capital, draw when you need it, repay, and draw again. Great for ongoing cash flow management.
Learn MoreTerm Loan
Long-term structured repayment for larger investments like expansion, property, or significant equipment purchases.
Learn MoreNot Sure? Ask Us.
Your Capital Advisor will help you evaluate which product fits your business, your projects, and your cash flow reality.
Let's TalkCommon Questions
Keep Your Projects
Moving Forward.
Don't let cash flow gaps hold your crew back. Apply today and get a decision, often within hours.