Construction and Contractors SBA Loans

Construction projects move fast bids, materials, subs, payroll, and change orders all demand steady cash. Our programs are designed for sba loan contractors and builders who need reliable funding for job costs, equipment, and growth. With SBA-backed options and contractor-focused underwriting, you can keep crews working and projects on schedule without straining cash flow.

Construction and Contractors SBA Loans

Our construction-focused SBA solutions are built for general contractors, specialty trades, and remodelers who juggle multiple jobs at once. Whether you’re seeking a Construction sba loan for larger contracts or flexible working capital for day-to-day costs, we keep the process straightforward. Complete a short online application, upload recent business documents, and review offers that align with your project pipeline and draw schedule.

For contractors who need funding in a hurry, we can help with structures geared toward same day SBA loan contractors when qualifications allow so you can order materials, secure permits, or bring on extra labor without delay. When you’re ready to apply SBA construction loan, our team walks you through each step so paperwork doesn’t slow down your next job start.

Minimum Requirements for Business Funding in Construction

To qualify for contractor and construction business funding, your company should meet the following guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Small Business Loans in Construction and Contracting

Small Business Loan

Term-style working capital tailored for job costs such as materials, permits, inspections, and payroll. This type of Construction sba loan is useful for taking on larger contracts, smoothing out draw schedules, and keeping projects moving between progress payments.

Merchant Cash Advance

Financing based on future deposits from customers, progress payments, or card transactions. Contractors often use this as a quick bridge when suppliers need payment up front but the next draw hasn’t been released. It can support sba loan contractors waiting on retainage or delayed invoices.

Business Line of Credit

A revolving credit line you can tap for deposits to vendors, change orders, or emergency repairs on equipment, then pay down as clients fund each phase. This fits contractors who manage multiple jobs at different stages and need flexible access to cash alongside longer-term SBA construction funding.

Collateral Loans

Loans secured by trucks, tools, heavy machinery, or other jobsite equipment. Using assets as collateral can unlock larger amounts and longer terms, supporting expansion into bigger projects or additional crews. Many builders pair this with Construction sba loan options for real estate or major equipment.

Bad Credit Business Loans

Options for contractors who have experienced credit setbacks due to slow-paying clients, project delays, or past downturns. These programs can stabilize cash flow now and help you build a stronger profile so you’re better positioned when you’re ready to apply SBA construction loan in the future.

Construction and Contractors Loan Services

Our construction and contractor loan services are structured around the realities of bidding and building upfront costs, staggered draws, and final retainage. We focus on clear pricing, flexible terms, and funding timelines that match how you get paid. Use capital for materials, subcontractors, payroll, equipment purchases, code-required upgrades, or expansion into new markets.

From small renovations to ground-up builds, our goal is to provide business loans for contractors that keep your schedule intact and your crews working, with payments that align to project cash flow.

Who We Serve

Frequently Asked Questions

What is the process for getting a construction and contractors SBA loan?

You start by completing a brief online application, then upload recent bank statements and key business documents such as contracts, bid schedules, and insurance details. Our team reviews your file, matches it with sba loan contractors programs and related options, and presents clear offers. Many decisions are delivered within a few business days so projects can move forward on time.

Can I get same-day funding as a contractor?

In some cases, smaller amounts and certain products can provide accelerated decisions and funding, supporting same day SBA loan contractors scenarios when qualifications are met. While full SBA underwriting can take longer, we often pair SBA paths with faster interim options so you can cover urgent job costs while the larger package is finalized.

What can I use a Construction SBA loan for?

A Construction sba loan can be used for materials, equipment, labor, permits, site preparation, safety upgrades, and even certain owner-occupied real estate projects. Many contractors also use funds to hire additional crews, expand into new territories, or take on larger contracts that require more upfront capital.

What do I need to apply SBA construction loan?

When you apply SBA construction loan, you’ll typically need recent bank statements, business tax returns (if available), a list of ongoing and upcoming projects, ownership and ID documents, and sometimes a basic business plan or job cost breakdown. For equipment or real estate-focused loans, details on the assets being financed may also be required.

Construction and Contractors SBA Loans