Get fast Construction Business Loans from $10,000 to $5,000,000 to cover payroll, materials, fuel, equipment, and cash flow gaps while you wait 60–90 days for project payments.
$50M+ funded
24-hour funding
$10K – $5M Loan Amounts
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A construction business loan is financing designed to cover the cash-flow gap between when a contractor incurs job costs, labor, materials, equipment, fuel, bonding and when the client actually pays. Unlike a traditional commercial real estate construction loan that funds a building, a construction business loan funds the contracting company itself: working capital, equipment, payroll between draws, and growth.
Construction businesses use these loans for five main reasons: covering payroll while waiting on progress draws, buying or repairing equipment, purchasing materials for new jobs, bridging retainage releases, and expanding crews to take on bigger contracts.
Construction business loans help contractors and construction companies access funding for working capital, equipment, payroll, materials, project expenses, and business growth.
Different construction financing options come with unique rates, terms, requirements, and qualifications. Short-term business loans or merchant cash advances usually range from 3 to 18 months and are often based on business revenue. Long-term options, such as SBA loans, may offer repayment terms from 5 to 10 years, or up to 25 years when real estate is involved.
A Business line of Credit gives construction businesses flexible access to funds when needed, while Invoice Factoring helps improve cash flow by turning unpaid invoices into immediate working capital.
Choosing the right construction business loan depends on your funding needs, revenue, financial history, and how you plan to use the capital. Whether you need cash flow support, equipment financing, or funds for a new project, the right financing option can help your construction business operate and grow more efficiently.
Construction cash flow looks different at every phase. Here’s how to fund each one.
The bills start long before the first crew shows up. Permits, surety bonds, insurance premiums, equipment deposits, and site mobilization can tie up six or seven figures before you’ve earned a single progress payment. A term loan or working capital facility puts that money in your account upfront, so you can lock in supplier pricing and hit the ground running instead of chasing capital while the schedule slips.
Anything that keeps your business running or growing. The 12 most common uses we fund:
Including overtime spikes and crew expansion for new contracts
lumber, concrete, steel, MEP rough-in
Heavy equipment, work trucks, trailers, tools
Emergency breakdowns that would otherwise halt a job
Pay your subs on time, keep them on your jobs
Diesel, vehicle maintenance, fleet insurance
Fund higher bonding capacity for bigger contracts
Annual GL, workers' comp, builder's risk
Including state-specific contractor license renewals
Get a new job started before the first draw clears
Estimating software, proposals, plan review fees
pen a second location, buy out a partner, acquire a competitor
We fund every trade and every project type in the construction industry. If you bill clients for construction work and have a business bank account, we have a product for you.
A guided process that respects your time. No faxing, no surprise documentation requests.
Share basic information about your business. No long forms or heavy paperwork.
Once approved, funds deposited into your account the same day.
Construction businesses may qualify for funding from $10,000 to $5 million, depending on revenue, credit profile, time in business, and the type of financing needed. At Committed to Capital, contractors can explore options such as working capital loans, equipment financing, SBA loans, business lines of credit, and revenue-based financing.
Yes, construction businesses with lower credit scores may still qualify for financing. Some funding options, such as short-term working capital, revenue-based financing, or invoice factoring, may be available even if your credit is less than perfect. Committed to Capital helps construction companies review flexible funding options based on overall business performance, not just credit score.
Many construction businesses can receive funding in as little as 24 to 48 hours for certain working capital or revenue-based financing options. Equipment financing and larger loan programs may take longer. Submitting complete documents, such as bank statements and business information, can help Committed to Capital speed up the funding process.
For many construction financing options, you may need a simple application and recent business bank statements. Larger loan amounts or longer-term financing may require profit and loss statements, tax returns, balance sheets, and business financials. Committed to Capital helps contractors understand which documents are needed based on the funding product.
Yes. Construction business financing can be used to purchase or upgrade heavy equipment, tools, trucks, machinery, and other essential assets. Committed to Capital offers access to equipment financing options that can help contractors grow capacity without draining cash flow.
A construction business loan can be used for payroll, materials, equipment, subcontractor payments, project costs, cash flow gaps, marketing, expansion, and emergency expenses. Committed to Capital helps construction companies find funding solutions designed to support day-to-day operations and long-term business growth.
