Business Line of Credit for Construction Companies

Construction cash flow rarely arrives on a predictable schedule — draws are tied to project milestones, while payroll, materials, and subcontractors need to be paid on your schedule, not the client’s. A business line of credit gives contractors a pool of funds to draw from as needed rather than one lump sum sized for a single job.

Why a line of credit fits construction specifically

You draw funds as needed, up to your credit limit, and pay interest only on what you’ve drawn. As you repay, that credit becomes available again — a structure that matches the way construction cash flow moves between projects rather than in one straight line.

Common uses for construction companies

• Covering payroll and subcontractor costs between draw payments
• Bridging the gap on a new project’s startup costs before the first draw
• Handling an unexpected repair or material cost overrun

What to expect

Qualification factors vary by lending partner and typically consider time in business, revenue, and credit profile.

Frequently asked questions

Can I reuse my credit line after repaying? Yes — as you repay drawn funds, that portion becomes available to draw again.

See the full Business Line of Credit product page, or explore funding options for the construction industry.