Construction and Contractors Business Loans

Running a construction company or contracting firm means juggling bids, materials, payroll, and unpredictable timelines. When cash is tied up in open jobs, it can be hard to cover today’s bills and still take on the next project. Our construction and contractors business loans give you access to working capital for materials, equipment, and labor so your crews stay busy and your jobs move forward. Whether you need same day construction financing or a longer-term contractor business loan, we’re here to help you keep building.

Why Construction Businesses Turn to Business Loans

Construction work rarely follows a perfect schedule. Clients pay in stages, suppliers want money up front, and delays can slow everything down. Our business loans for construction businesses are designed to close that gap so you can focus on finishing the job instead of chasing payments.

You can use funding to buy materials, cover subcontractors, secure permits, or handle unexpected repairs on site. If you need to get business construction loans quickly, our simple application, fast decisions, and flexible terms make it easier to access the capital you need without weeks of waiting.

Whether you’re a general contractor, specialty trade, or small crew growing into larger projects, we tailor each contractor business loan around your cash flow and project pipeline.

Minimum Requirements for Construction Business Funding

To qualify for a construction and contractors business loan, you’ll need to meet the following basics:

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

Types of Construction and Contractors Business Loan Options

Small Construction Business Loan

This option is ideal for contractors who need straightforward working capital for everyday costs. Use funds for fuel, small tools, insurance, or short-term expenses between project payments. It’s a practical way to get business construction loans without tying up collateral.

Contractor Working Capital Loan

A contractor business loan focused on payroll, subcontractor payments, and deposits with suppliers. This is a strong fit when you’ve already won the job but need cash to mobilize crews and secure materials before the first draw arrives.

Equipment and Materials Financing Line

For companies that regularly purchase heavy equipment, rental units, or bulk materials, this loan type works like a dedicated facility. Draw as needed for machinery, scaffolding, or building supplies, then repay as invoices are collected from clients.

Same Day Construction Financing Advance

When a new project starts faster than expected, same day construction financing can bridge the gap. Qualified contractors can access funds quickly for time-sensitive needs such as rush orders, unexpected repairs, or last-minute changes in project scope.

Contractor Expansion Loan

If you’re adding crews, entering new markets, or bidding on larger jobs, an expansion loan can support bigger payrolls, higher insurance limits, and additional office or yard space. It’s designed to help stable construction firms grow with confidence.

Construction and Contractor Loan Services

We understand the unique cash-flow challenges that come with managing multiple jobs, change orders, and seasonal slowdowns. Our construction loan services support sole proprietors, small contractor teams, and established firms that need dependable access to funding.

From short-term working capital to larger contractor business loans, we focus on quick reviews, clear terms, and repayment schedules that match the way construction invoices are paid. You can use our funding for working capital, project start-up costs, material purchases, equipment, or expansion into new territories.

With responsive support, competitive pricing, and flexible structures, our goal is to make financing one less thing you have to worry about while you manage your projects.

Who We Serve

Frequently Asked Questions

What is the process for getting a construction business loan?

Start by completing a short application and sharing basic information about your company, monthly revenue, and time in business. Once we review your documents, most construction and contractor applications receive a decision quickly, and approved businesses can receive funding soon after signing.

What are the repayment terms for a contractor business loan?

Repayment terms depend on the loan type, amount, and your cash flow. Many construction loans are repaid through fixed daily or weekly payments, or through monthly installments over an agreed-upon term. We work with you to choose a schedule that fits your project timelines.

Can I apply for a construction business loan if my credit score is low?

Yes. While credit is considered, we also look at business revenue, time in operation, and overall stability. Even if your personal credit score is under perfect, you may still qualify for contractor business loan options designed for growing companies.

What are the eligibility requirements for a construction and contractors business loan?

You’ll generally need to meet the minimum revenue, time-in-business, ownership, and credit standards listed above, along with operating a legitimate construction or contracting business in the United States. Additional documents such as bank statements or project details may be requested during underwriting.