Construction is a cash-flow tightrope: you front the cost of materials, equipment and labor, then wait on progress payments, retainage and slow-paying GCs. Construction company loans give you the working capital to take on bigger jobs and keep every crew productive — without waiting on receivables.
What contractors fund
- Materials — buy for the next job before the last one pays.
- Equipment & trucks — expand your fleet or replace aging machinery.
- Payroll — keep skilled crews working through the gaps.
- Bridging jobs & retainage — cover costs while payments lag.
- Bonding & mobilization — fund the up-front costs of winning bigger work.
Funding options
Working capital for fast, flexible cash — no minimum credit score on many programs. Equipment financing for machinery and trucks with low or no money down. Line of credit to draw on as jobs come in and repay as you invoice. A no-cost advisor finds your fastest fit.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do I fund materials before getting paid?
Working capital or a line of credit covers materials and labor up front; you repay as you invoice and collect payments.
Can contractors get funding with bad credit?
Yes — many programs are revenue-based with no minimum FICO, approving on your deposits.
Can I finance heavy equipment?
Yes — equipment financing covers machinery and trucks with low or no down payment, secured by the equipment.