Construction

Funding built around the cash flow demands of construction projects.

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Industry-Specific Programs

Nationwide Financing

Fast Decisions

Dedicated Funding Specialists

Who We Serve

General contractors, subcontractors, and specialty trades managing project-based cash flow and equipment needs.

Funding Challenges

Construction businesses often face cash flow gaps between paying for materials and labor upfront and receiving payment on completed project milestones. Seasonal slowdowns, equipment costs, and payroll for project crews add further pressure.

Funding options that fit

Common ways construction businesses access capital.

Equipment financing for machinery and vehicles

Working capital for materials and payroll between milestones

Lines of credit for ongoing project flexibility

Invoice factoring for outstanding progress billings

Why Construction businesses choose us

Equipment-Backed Options

Many programs let the equipment itself serve as collateral, which can open up options even with limited other assets.

Progress-Billing Friendly

Funding like invoice factoring is built around the payment cycles common to project-based work.

Seasonal Flexibility

Structures that account for busy and slow seasons rather than assuming flat monthly revenue.

What funding partners consider

Factors that commonly shape funding options for construction businesses.

Typically Reviewed

Project Pipeline

Lenders often look at your current and upcoming contracts, not just past revenue.

Equipment & Asset Value

Owned equipment can factor into what you qualify for and at what terms.

Payment History on Contracts

A track record of being paid on completed milestones supports your application.

Example scenarios

A few ways construction businesses put funding to work.

Bridging a Payment Gap

Covering payroll and materials while waiting on a completed milestone payment.

Financing a Major Equipment Purchase

Acquiring machinery or vehicles without depleting cash reserves.

Taking on a Larger Project

Accessing working capital to bid on and staff a project bigger than usual.

Recommended funding for Construction

Invoice Factoring

Convert outstanding invoices into working capital instead of waiting on customer payment terms.

Commercial Real Estate

Financing for purchasing, refinancing, or expanding commercial property.

Equipment Financing

Finance equipment without tying up all your working capital.

SBA Loans

Longer-term financing options for qualified businesses, backed by the U.S. Small Business Administration.

Common funding needs for construction businesses

Business Debt Refinancing

Emergency Business Funding

Marketing Financing

Inventory Financing

Frequently asked questions

For contractors, subcontractors, and specialty trades, that often means equipment financing for machinery and vehicles, working capital between project milestones, and invoice factoring against progress billings.

Your project pipeline and current contracts, the value of owned equipment, and payment history on completed milestones are common factors lenders weigh, since construction cash flow is tied to project timing rather than flat monthly revenue.

Some programs can fund based on a signed contract or awarded bid, though most also want to see your business's operating history.

It can factor into terms, but seasonal revenue patterns are common in construction and many lending partners account for them.

Yes - equipment financing is typically tied to a specific purchase and often uses the equipment itself as collateral.

Funding built for Construction businesses

One application, matched to funding options across our lending network.

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