Construction Business Loans
Get the working capital you need to take on more projects, pay your crew, and keep jobs on schedule — all with fast approvals and flexible terms.
No Hard Credit Pulls
Check your eligibility without impacting your credit score. Explore multiple funding solutions without a hard inquiry, keeping your credit score intact.
Fast application process
Submit in minutes and get your approval the same day, so you can secure funding without slowing down your business operations.
Dedicated loan advisors
Our team works closely with you from application to funding, ensuring your business secures the right financing quickly and with confidence.
Construction Business Loan Overview
Construction companies face unique financial challenges. Large upfront costs for materials, permits, and equipment often have to be covered long before a project generates revenue. In many cases, client invoices can take weeks or even months to be paid, creating gaps in cash flow that can slow down progress.
From paying skilled labor and subcontractors to purchasing supplies and renting heavy machinery, expenses don’t stop while you wait for payments to come in. That’s where construction business loans provide a critical lifeline—offering the working capital you need to keep projects on track, cover payroll, and capitalize on new opportunities quickly.
Construction Business Financing to Build and Grow Your Company
Fundur helps you get construction business financing without the stress. Discover flexible small business loans and funding solutions.
Construction Business Term Loan
One-time deposit for immediate needs with the ability to apply for more funds when necessary.
- Loan amounts up to $3,000,000
- Repayment terms up to 60 months
- Financing built for sustainable business growth
- Great for significant business expenses
Construction Business Line of Credit
Revolving line of credit you can draw from anytime with immediate access to funds whenever you need.
- Credit lines up to $750,000
- Flexible repayment terms of 12, 18, 24, or 36 months
- Only pay interest on what you use
- Replenishes as you repay
Types of Loans for Construction Businesses
Business Term Loan
Business term loans provide small businesses with a set amount of funding that is repaid on a fixed payment schedule over a specified timeframe. Loan terms can range from a few months for short-term financing to several years for long-term financing.
Business Line of Credit
A business line of credit is a flexible small business financing option that provides access to a set credit limit. This allows your business to withdraw the working capital it needs and repay only what you use, with interest charged only on the borrowed amount.
Equipment Financing
Equipment financing is a small business funding solution that helps companies purchase or lease equipment. This type of financing covers assets such as machinery, vehicles, or technology, allowing businesses to preserve cash flow while gaining access to essential tools and resources.
Business Credit Card
Business credit cards allows companies to make purchases, cover expenses, and manage cash flow while building business credit. It provides access to a revolving credit line, often with rewards, cash back, or other benefits tailored for business needs.
Construction Business Loan: How to Get Funded in 3 Easy Steps
Complete the application.
Fill out our simple application and get matched with offers the same day.
Compare your options.
An expert loan advisor will help match your business with the right loan.
Receive your funds.
Confirm your loan terms and get funds in your account as soon as today.
Minimum Requirements for a Construction Business Loan
$10,000 Monthly Gross Revenue
Your business must average at least $10,000 in monthly deposits in a business bank account.
6 Months in Business
Your company should have at least 6 months in business to qualify for most small business financing options.
500+ Credit Score
A construction business loan is possible regardless of credit score, but stronger credit often means lower rates.
Business Bank Account in the US
We’ll need at least 3 months of recent bank statements to verify income. Having them ready will speed up funding.
Meet the requirements?
Construction Business Loans & Financing Options
Business Loans for Construction Companies
Construction business loans can be structured in many ways depending on your goals, cash flow needs, and the scale of your projects. Whether you’re considering a business line of credit, a business term loan, or business equipment financing, the right loan can give you the financial flexibility to bid on more projects, bridge payment delays, and respond quickly to new opportunities. These small business loans are designed to address common construction company challenges like large upfront material costs, seasonal revenue fluctuations, and delayed client payments.
Business Line of Credit for Construction Companies
For many construction companies, a business line of credit offers flexible access to working capital whenever your business needs it. This type of construction business financing allows you to draw funds to cover payroll, purchase building materials, pay subcontractors, or take on additional projects — and you only pay interest on the amount you use. A small business line of credit is ideal for managing seasonal slowdowns, covering unexpected expenses, handling large upfront material costs, or bridging payment delays from clients and commercial contracts.
Learn more about a business line of credit ›
Business Term Loan for Construction Companies
Construction companies often choose a business term loan when they need a lump sum of funding that’s repaid in fixed installments over a set term. This type of construction business loan is ideal for financing large one-time expenses such as funding major expansions, purchasing bulk construction materials at discounted rates, or covering the upfront costs of large commercial or residential projects. With predictable payments, a construction term loan allows your business to plan ahead, manage cash flow, and invest in growth opportunities without disrupting day-to-day operations.
Learn more about business term loans ›
Equipment Financing for Construction Companies
When your construction business needs to purchase or lease heavy machinery, commercial vehicles, or essential tools, equipment financing provides the solution without tying up your working capital. This type of construction equipment loan can be used to acquire everything from excavators and bulldozers to specialized construction and safety equipment. By spreading the cost over time, equipment financing helps your construction company stay competitive, maintain cash flow, and take on more projects without draining cash reserves.
Learn more about equipment financing ›
Construction Business Loans - FAQs & Answers
How do I qualify for a construction business loan?
To qualify, most lenders require steady monthly revenue, at least 6 months in business, and a reasonable credit history. Having recent bank statements and proof of ongoing projects helps improve approval odds. Lenders may also review your company’s track record, project pipeline, and overall financial stability to gauge repayment ability. Providing a clear business plan with revenue forecasts and accounts receivable reports can improve your chances of securing competitive construction financing.
What credit score do I need for a construction company loan?
Many lenders accept scores as low as 500, but a 650+ credit score can help you secure lower interest rates and better repayment terms. A higher score signals strong financial management, which can result in faster approval. Even if your score is lower, having strong revenue can help you qualify for a construction business loan. Keeping your debt-to-income ratio low can significantly improve your approval odds regardless of credit score.
How much can I borrow for my construction business?
Loan amounts typically range from $10,000 to $5 million, depending on your company’s revenue, cash flow, and the specific loan program. If your business maintains healthy profit margins and low existing debt, you’re more likely to qualify for the higher end of available loan amounts. Lenders tend to approve higher loan amounts for businesses showing consistent monthly revenue, and strong overall financial stability.
What documents are required for a construction business loan?
For most construction business loans, lenders primarily ask for a few months of recent business bank statements to verify revenue and cash flow. You’ll also need to provide a government-issued ID and a voided company check at the time of closing. Larger loan amounts may require additional financials such as a business tax return, balance sheet, and accounts payable/receivable reports.
Can I get a construction business loan with bad credit?
Yes, You can still qualify for a construction business loan with bad credit if your cash flow and revenue are strong. Lenders may charge higher rates or offer smaller loan amounts to offset their risk. Over time, consistent, on-time payments can help improve your credit profile and make it easier to secure larger loans with more competitive interest rates and longer repayment terms.
How long does it take to get approved for a construction loan?
Approval for a construction loan can be as fast as a couple of hours, helping your business get the capital it needs to stay on schedule. The timeline depends on the lender, the loan amount, and how quickly you provide all required documents. Most lenders review bank statements and verify business details before finalizing an approval. Being proactive in supplying information can greatly reduce your wait time.
What’s the difference between a construction term loan and a construction line of credit?
A term loan provides a lump sum with fixed payments, while a line of credit offers flexible access to funds as needed, only charging interest on what you use. Term loans are ideal for large, one-time expenses, whereas a line of credit works well for ongoing project costs. Many construction companies use both types of financing to cover different needs. Both loan types offer advantages that can be used in different ways depending on your specific goals.
Do I need collateral for a construction business loan?
Most construction business loans do not require collateral unless you are applying for equipment financing, in which case the equipment itself is used as the collateral. This ensures your other assets are protected and available for future financing if needed. It’s a safer, more focused way to secure the capital you need, without putting your entire business or personal property at unnecessary risk.
Are interest payments on a construction business loan tax deductible?
Yes, in most cases business loan interest is tax deductible. Always confirm with your accountant or tax professional. Keeping detailed records of your construction loan interest payments will make it easier to claim deductions during tax season. These deductions can help reduce your overall taxable income and lower the amount you owe. Keeping your payment dates, amounts, and loan documents organized will make preparing your taxes easier.
Can I use a construction loan to refinance existing business debt?
Yes, debt consolidation loans can help lower your interest rate and simplify payments, allowing you to put more of your monthly earnings toward business expansion and upcoming jobs. Refinancing can also restructure your debt into more manageable terms, reducing financial pressure. This can stabilize your construction company’s finances, minimize the risk of cash shortages, and provide a strong base for future growth.
How do lenders decide how much to lend to a construction company?
Lenders determine how much to lend to a construction company by reviewing key financial indicators such as annual revenue, profit margins, and existing debt obligations. They also look at your recent business bank statements to assess the consistency of your income and the stability of your operations. Other factors may include the size and scope of your current projects and the overall financial health of your business.
What is the easiest construction loan to get approved for?
Short-term working capital loans and equipment financing typically have simpler requirements compared to SBA or large project financing. These loans often have faster approval processes and require less documentation. They can be a great starting point if you need quick access to construction business funding. They’re ideal for covering immediate expenses and keeping projects moving on schedule.
Built on Trust, Focused on Your Success
We’ve helped thousands of business owners secure funding quickly through a simple, stress-free process.
“The process was smooth, my advisor was knowledgeable, and the funding came through much faster than I expected.”
Jason T.
Atlanta, GA
“Application was simple and funding arrived quickly. The rates were good for the speed and convenience provided.”
Jennifer M.
Tampa, FL
“We were approved the same day, funded shortly after, and the process stayed transparent from start to finish.”
David R.
San Jose, CA
“From application to funding, everything moved quickly and smoothly, with flexible repayment that fit our needs.”
Robert W.
Dallas, TX